Insurance Inspection

Call Home Logic Inspections in Okotoks for quality insurance inspection services.

The timing, purpose, and reply to an Insurance Inspection. ... The purpose is to identify "hazards,” or conditions which increase the chance of a loss, insured or not. An inspection can prove quite valuable as your insurance company is your risk partner for the property, writing the checks when things go wrong. 

Have you been asked to have your home inspected for a new insurance policy? Don't be alarmed. The primary reason is to make sure the policy's dwelling amount reflects the cost to rebuild the home in the event of a total loss. When you receive an insurance offer, replacement value calculation software is used by your insurance representative to determine the home's replacement cost. The software is good, and often draws from public records, but every property is unique so the best way to validate the cost to rebuild for the homeowner is through an insurance inspection.  

The other reason for an inspection is to see what kinds of hazards might exist, and whether they can be corrected.  Inspectors are trained to recognize those conditions that raise the risk of a loss, such as roofs in need of repair or dangerous conditions not known from a phone conversation or web form.  But as the entity who has the most to lose when risky conditions exist, many carriers insist on inspections to protect their interests. 

It has become common for home insurance companies to conduct insurance inspections within 30 days of a new policy's inception date. Previously, insurance companies or the agent may have taken exterior pictures and or measurements of the property; today these are available on line.  Now many of the inspections include a walk through of the interior as well.

The home insurance companies hire licensed independent insurance appraisal companies such as Mueller Inspections that specialize in insurance valuations. The home inspection company will contact you directly to arrange for the inspection. Most inspections typically take about 30 minutes. You will need to be home for the inspection and should expect that the inspector will ask to see each room along with the basement and furnace. They will also take pictures of your home from both inside and outside.

For a home inspection in Calgary, Brentwood, Shawnnessy, Silverado, Mindapore, Lake Bonavista, Canyon Meadows, Braeside, Southwood, Willow Park, Quarry Park, Deer Ridge, Mackenzie Towne, Cranston, Chaparral, Walden, Legacy, Seton, Auburn Bay, Mahogany, DeWinton, Heritage Pointe, Westman Village contact or visit www.homelogicinspections.ca

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