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What all do they look at for a review of a homeowners policy? We have never filed a claim or even used it but every five years (I think) they come look at the property and house inside and out to see if the policy needs added to or changed. But we never have gone through one and I was just curious what all they look at. I remember my parents going through one but my dad was a worry wart about it but I never asked what they looked at and since that one they have both passed away. Can anyone help me on this?

4 Thoughts on Question about a review of homeowners insurance?
  1. Reply
    June 21, 2011 at 12:28 pm

    Don’t worry, its actually to protect you. They will come to make sure you have enough insurance for the value of your house. Its not a bad thing.

  2. Reply
    June 21, 2011 at 12:52 pm

    They check to see if the roof is in good shape and if there are any trees that are overgrown because they worry about fire. Stuff like that. They look at things that could help prevent a claim.

    Don’t worry. They point out things you can do that help you not have a claim. That helps them not to have a claim and it helps you not to have something go wrong. They may ask you to correct something that prevents a hazard.

    We also worry about old pipes that can break because of a water loss and washing machine hoses that need to be replaced. I am mentioning just a few of the most important things.

  3. Reply
    Queen B
    June 21, 2011 at 1:50 pm

    first off i don’t know of any company that requires them to go into your house to do an inspection. if my company wanted to inspect in my home for anything other than a loss, i would change companies. now what they will look at is the outside. they will measure square footage, see if you have any detached structures, any decks or porches you may have added, pool, etc… they are also looking for any unrepaired damage such as your roof, siding, etc…and any liability exposures, such as if you have handrails on all steps, dogs, etc.. most agencies do this in order to make sure they are insuring you properly and to repalcement cost. it is to benefit you so don’t worry.

  4. Reply
    June 21, 2011 at 2:19 pm

    At the renewal of your insurance, the company will send out a representative to look at your property.
    Generally they only do a drive by to see if there are any liability hazards on your property. They check to see how the roof is, if its damage, shingles missing, if there are trees touching your roof.
    They will look at your house stucco to see if its peeling, paint chipping etc. They will look to see if there are cracks in your driveway, debris on your yard which may be a fire hazard etc.
    Certain insurance companies will also want to come inside your house if your home is considered high value, meaning the dwelling you are covered for is more than $ 750,000 or if the squarefootage is more than 5000.
    Every company has its own guidelines, so it may be a necessity.
    My insurance company, (Farmers) has these guidelines that apply.
    We also offer a discount called “interior inspection” for the first 5 years of the policy, and it needs to be validated every year.
    Dont worry about this. Its for your benefit, as the insurance company only wants to make sure that they are not underinsuring you by being up to code of what you need. If you are concerned, I suggest you contact your agent who will tell you why they do this.

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