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Insurance inspections are routine evaluations that companies use to verify a property's condition and assess potential risks. Whether it is a "drive-by" exterior check or a scheduled walkthrough, understanding the process can turn a potentially stressful event into a simple administrative step.
For older homes or those in high-risk areas (like wildfire or hurricane zones), insurers may re-inspect every few years. Residential Inspections - ICAT insurance inspection
After an accident or damage (like a storm), a "loss inspection" or "adjustment" is conducted to determine the payout. Residential Inspections - ICAT After an accident or
Insurers don't just inspect because they suspect something is wrong; it is a standard part of their underwriting process to ensure they are charging the right premium for the actual risk. insurers may re-inspect every few years.
Most new homeowner policies trigger an inspection within the first 30 to 90 days to confirm the home matches the application.