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#4633157 - 01/13/18 01:21 AM Home Inspection
John_K Offline

Registered: 12/08/06
Posts: 2686
Loc: Columbus, Ohio
Our insurance co, USAA, has decided after 25 years and no claims, to send someone out to inspect our house. Anybody know what kind of inspection this is? Is it just to check the condition of the house, or are they gonna be nitpicking about extension cords and fire hazards and stuff like that?
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#4633158 - 01/13/18 01:34 AM Re: Home Inspection [Re: John_K]
pda1122 Offline

Registered: 09/22/05
Posts: 188
Loc: Maine, USA
When we recently bought our house, the insurance company did an inspection. They just did a quick visual inspection of the outside and reported back via mail. We had some debris on the side of the house they wanted picked up and thought we had a fire stove. I picked up the debris and sent them a photo. I let them know they were welcome to come in and check out the non existent wood stove.
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#4633161 - 01/13/18 01:46 AM Re: Home Inspection [Re: John_K]
JustinH Offline

Registered: 04/17/04
Posts: 5075
Loc: Texas
When we switch insurance companies they send an insurance jockey out during the day while we are at work.

They take a few photos of the house, and go on their way.

I believe around here they are most concerned about roof condition, or anything else that could cause water penetration into the house (rotten wood, etc).

On a ten year old house there isn't much to see, so it is fairly painless.
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#4633172 - 01/13/18 02:49 AM Re: Home Inspection [Re: John_K]
Shannow Online   content

Registered: 12/12/02
Posts: 38499
Loc: 'Stralia
For the land of the free, you seem to have a lot of intrusions into your personal space by businesses that you pay for service.

Edit, don't get me I have to allow the gendarme in every two years to inspect my safe storage, and they'll close down a highway for a week to RBT every single driver that crosses the mountains.

Edited by Shannow (01/13/18 02:57 AM)

#4633183 - 01/13/18 04:43 AM Re: Home Inspection [Re: John_K]
OneEyeJack Offline

Registered: 09/14/10
Posts: 7349
Loc: S California
Where I live in an area of S. California they are concerned about fire safety and clearing brush and tree branches near the house.

I cleared area based on advice from the local fire department including some improvements to the access road for fire trucks. The insurance people do more frequent inspections because this is a fire hazard area.

This stuff is not as easy as you might think because of regulations and dealing sometimes with the EPA and the BLM. I lost a home in the 2003 Cedar fire that burned down a large part of San Diego County. I was stopped from clearing brush recommended by the fire department because I could not get a permit. My request was in process for three years before the fire hit. That clearing would have saved the house based on nearby houses that were saved with the area cleared in a similar manner. Then I was fined when I started to clean up the debris after the fire without another permit for the cleanup. You have to hurry because a homeowners policy requires that you start the rebuilding within 12 calendar months from the declared loss and everyone is trying to rebuild at the same time. I was told that if I hired a licensed contractor instead of doing the cleanup work myself the permit process would have been taken care of.

If an inspection is required find out what they want to be done if anything and do it right away.

#4633192 - 01/13/18 05:06 AM Re: Home Inspection [Re: John_K]
das_peikko Offline

Registered: 01/01/18
Posts: 373
Loc: San Antonio, TX
They want to access the value of your house. They want to make sure that they're not placing a higher value on your house than it's worth--so that if the time comes for them to pay out on a claim, they're not paying out more than they should.

#4633201 - 01/13/18 05:57 AM Re: Home Inspection [Re: John_K]
Donald Offline

Registered: 03/21/04
Posts: 20132
Loc: Upstate NY
Dogs, trampoline, wood stove, apt for AIRBNB.

Or that the home is lived in vs empty home or vacation home.

That would be my guess.
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#4633206 - 01/13/18 06:05 AM Re: Home Inspection [Re: John_K]
demarpaint Offline

Registered: 07/03/05
Posts: 29152
Loc: NY
They will check for fall hazards, especially around areas which might require a banister and make you install one if it isn't already there. They'll check sidewalks, and if tree roots lifted a slab they will make you fix the slab/slabs. If there is supposed to be a fire barrier over or behind the heating system in the basement and it isn't there they'll make you put one in. They might even check the circuit breaker panel, fireplaces, wood stoves, etc. Bottom line is they are there to protect themselves from a possible loss. They might also check the house to determine if the property is worth more than the coverage is allowing for, and adjust the premium up if it isn't. OTOH if you're over covered they may keep quiet about it.....
God Bless Our Troops

#4633212 - 01/13/18 06:27 AM Re: Home Inspection [Re: John_K]
edwardh1 Offline

Registered: 01/17/03
Posts: 2832
Loc: Coastal South Carolina
state farm inspected my house b4 they insured it 20 years ago.

Ford motor company in its early days had home inspectors that inspected the employees homes and yards . Today that would not be allowed by employees.
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#4633216 - 01/13/18 06:31 AM Re: Home Inspection [Re: John_K]
walterjay Offline

Registered: 04/12/09
Posts: 190
Loc: Maryland
Nothing to really sweat. They are looking for obvious problems. They are usually not nit picky and if they point something out it is usually to your advantage to correct it. When they came to my place they just took a couple pics and notes, did not even ask to come in. Probably took 5 minutes.

#4633249 - 01/13/18 07:38 AM Re: Home Inspection [Re: John_K]
BJD78 Offline

Registered: 08/05/17
Posts: 337
Loc: Nebraska
I have been with USAA since about the mid 90's and have been generally happy with them as far as banking, Auto insurance and no fee ATM and the like. I also have a mutual fund ROTH IRA as well that does better than the old TSP we used to have. However a couple of years back our home had hail damage to the shingle and they USAA sent out a claim adjuster and they low balled the damage figure. We have never filed a claim before on the house. WE had basement wall bowing and had to get wall anchors but of course USAA does not cover basement walls.. so that was 15K out of pocket for Thresher o come out and install wall anchors I talked to neighbors who also had damage and their damage assessments were at least 3K higher than USAA with the same type roof and shingles. I was getting the run around from USAA and getting now where appealing the claim estimate. We have a 3K deductible and our house would have been about 7K o tear off the old damaged shingles and it would have cost USAA 4K. That is about what our neighbors with similar damage were getting. Even people with Met Life and All State were being treated fairly. I ended up filing a formal complaint with the Nebraska insurance commissioner. The insurance commissioner forced them to re evaluate and pay the claim to re shingle our home. That circus made me lose some faith in USAA, at least the USAA home insurance division and we stayed with USAA for banking but dumped their house insurance and went with Erie and never looked back. We have never filed a claim and have paid USAA 130 a month for decades for home insurance and when we need them the LOW Ball the estimate. and they do not cover basement walls which is another story, I was quite disappointed with USAA and would never recommend their home insurance to anyone. So far Erie home insurance has not wanted an home inspection and I do not expect them too.
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#4633269 - 01/13/18 08:00 AM Re: Home Inspection [Re: BJD78]
rsylvstr Offline

Registered: 01/01/07
Posts: 2489
Loc: Oneida County, NY
I use USAA for banking and thatís it.
Insurance is usually best through a local broker that can deal with the [censored] you had to with USAA.
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#4633358 - 01/13/18 08:58 AM Re: Home Inspection [Re: John_K]
tom slick Offline

Registered: 05/26/03
Posts: 9281
Loc: Central Coast, Calif.
The home inspection Iíve had was basically to double check the construction materials in the description of the house and any basic hazards. It was a 5 minute inspection.
You get what you pay for...
So keep in mind how much you paid for this advice.

#4633369 - 01/13/18 09:03 AM Re: Home Inspection [Re: John_K]
Barkleymut Offline

Registered: 01/27/04
Posts: 2703
Loc: Richmond, VA
our home insurance is through a local non profit company, they have inspected both homes that I have purchased and both times required that we install some steel braided hoses to the washing machine.
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#4633382 - 01/13/18 09:10 AM Re: Home Inspection [Re: John_K]
laserred96gt Offline

Registered: 03/03/13
Posts: 851
Loc: Florida
if the insurance pays they will just take a few pictures of the roof and stuff, when we bought our house last summer we did the home inspection which included termite inspection, three point inspection and wind mitigation. We did go after the cheapest quote we got because I haven't had to file a claim ever, but the insurance co we got decided to send someone on their part right after the hurricane and decided that we needed to cut the trees back otherwise they would not renew it the following year.
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