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Home Inspection for insurance

Discussion in 'Non-Diving Related Stuff' started by AfterDark, Sep 6, 2019.

  1. AfterDark

    AfterDark Solo Diver

    # of Dives: 1,000 - 2,499
    Location: Rhode Island, USA
    8,004
    3,497
    113
    We are in the process of changing our homeowners insurance. My agent told me to expect an inspection they all do it now evidently. So my question(s) to you divers that support your addiction by inspecting homes for insurance companies is what should I check? Here is my list. What have I missed?

    chimney What do you want to see? I'm going to run the brush down it and clean out the bottom.

    wiring, extension cord use and routing What do you want to see?

    boiler and piping What do you want to see? is rust on the outside panels a no-go? boiler is 20 years old

    roof is 30 years old, I am in the process of seeking bids

    gutters intend to include replacement with roof also intend to do a roof ridge

    water heater, what are you looking for/at?

    well pump is 1 year old expansion tank 10 years old, What do you expect to see?

    We have until the end of the month max probably the next 2-3 weeks is my guess.

    Thanks to all that respond, trust me I need the help!
     
  2. DeputyDan

    DeputyDan Great White

    # of Dives: 200 - 499
    Location: North Carolina
    4,131
    451
    83
    upload_2019-11-6_9-8-57.png

    They want to see if you live like this :)
    upload_2019-11-6_9-9-45.png
     
    ibj40 and AfterDark like this.
  3. michael-fisch

    michael-fisch Manta Ray

    # of Dives: 2,500 - 4,999
    Location: Germany
    681
    410
    63
    Unfortunately that is pretty much what my garage with over 50 tanks, tool chests, TMX fill station, 3 scooters, 3 RBs (or does an IDA76 also count?) 4 drysuits and a sf*tload of other gear looks like. I need more space!

    Michael
     
  4. outofofficebrb

    outofofficebrb HARRO HUNNAYYY

    # of Dives: 200 - 499
    Location: San Francisco, California
    2,883
    2,187
    113
    You have some nerve! Why would you post pictures of my place online without my permission? :wink: It sure feels that way when I’m packing for a trip. :D
     
  5. AfterDark

    AfterDark Solo Diver

    # of Dives: 1,000 - 2,499
    Location: Rhode Island, USA
    8,004
    3,497
    113
    Nice kitchen!

    So the inspection happened, this chick was taking pictures under the sinks, the breaker panel, each room the yard, un-f-fin believable! She said they are the toughest company she does inspections for. They sent a request for payment of premium so I guess we passed.
     
    Bubblesong likes this.
  6. Bubblesong

    Bubblesong Marine Scientist

    # of Dives: 50 - 99
    Location: Massachusetts
    2,291
    1,919
    113
    I would think they want to see smoke alarms, and safety related issues, like not having scary electrical wiring and breaker boxes.
     
  7. AfterDark

    AfterDark Solo Diver

    # of Dives: 1,000 - 2,499
    Location: Rhode Island, USA
    8,004
    3,497
    113
    Me too and like me you would be wrong.
     
    Bubblesong likes this.
  8. ajtoady

    ajtoady ScubaBoard Supporter ScubaBoard Supporter

    # of Dives: 200 - 499
    Location: Hammond, NY
    876
    392
    63
    I had an inspector show up and he is inspecting the neighbors' sheds and asks me what's inside. I gave him the phone # of my neighbor and said why don't you ask him. It was a short inspection!
    As for breaker panels vs fuse boxes,,, when used and fused properly, you can't beat the protection and response of a fuse.
     
    AfterDark likes this.
  9. tkaelin

    tkaelin Solo Diver

    # of Dives: 500 - 999
    Location: CT
    1,698
    877
    113
    Just had an inspection. They came when we were not home so must have just viewed the exterior.
     
  10. JulieM

    JulieM Nassau Grouper

    # of Dives: 1,000 - 2,499
    Location: St. George,Utah
    104
    47
    28
    We had an inspection for house insurance when we built our new home, We were at home when he came, but he only inspected the exterior.
     

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