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Home Inspection #4633157
01/13/18 02:21 AM
01/13/18 02:21 AM
Joined: Dec 2006
Posts: 2,767
Columbus, Ohio
John_K Offline OP
John_K  Offline OP
Joined: Dec 2006
Posts: 2,767
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?


2009 Mercury Grand Marquis, 8 cyl auto, 82xxx miles, PU/Fram Ultra
2005 Hyundai Sonata, 4 cyl auto, 95xxx miles, Maxlife/OEM Filter
Current oil stash: 510 qts.


Re: Home Inspection [Re: John_K] #4633158
01/13/18 02:34 AM
01/13/18 02:34 AM
Joined: Sep 2005
Posts: 266
Maine, USA
pda1122 Offline
pda1122  Offline
Joined: Sep 2005
Posts: 266
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.


'13 Toyota Tundra 5.7-Idemitsu
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Re: Home Inspection [Re: John_K] #4633161
01/13/18 02:46 AM
01/13/18 02:46 AM
Joined: Apr 2004
Posts: 5,209
Texas
JustinH Offline
JustinH  Offline
Joined: Apr 2004
Posts: 5,209
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.


'11 Hyundai Sonata GLS
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Re: Home Inspection [Re: John_K] #4633172
01/13/18 03:49 AM
01/13/18 03:49 AM
Joined: Dec 2002
Posts: 40,887
'Stralia
Shannow Online content
Shannow  Online Content
Joined: Dec 2002
Posts: 40,887
'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 wrong...here 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.

Last edited by Shannow; 01/13/18 03:57 AM.
Re: Home Inspection [Re: John_K] #4633183
01/13/18 05:43 AM
01/13/18 05:43 AM
Joined: Sep 2010
Posts: 7,485
S California
OneEyeJack Offline
OneEyeJack  Offline
Joined: Sep 2010
Posts: 7,485
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.

Re: Home Inspection [Re: John_K] #4633192
01/13/18 06:06 AM
01/13/18 06:06 AM
Joined: Jan 2018
Posts: 534
San Antonio, TX
das_peikko Offline
das_peikko  Offline
Joined: Jan 2018
Posts: 534
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.

Re: Home Inspection [Re: John_K] #4633201
01/13/18 06:57 AM
01/13/18 06:57 AM
Joined: Mar 2004
Posts: 20,758
Upstate NY
Donald Offline
Donald  Offline
Joined: Mar 2004
Posts: 20,758
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.


2015 Subaru Forester 2.5 engine/CVT
2015 Ford F250 w/Powerstroke
2016 Subaru Crosstrek CVT (wife's)
Re: Home Inspection [Re: John_K] #4633206
01/13/18 07:05 AM
01/13/18 07:05 AM
Joined: Jul 2005
Posts: 30,439
NY
demarpaint Offline
demarpaint  Offline
Joined: Jul 2005
Posts: 30,439
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

Re: Home Inspection [Re: John_K] #4633212
01/13/18 07:27 AM
01/13/18 07:27 AM
Joined: Jan 2003
Posts: 3,079
Coastal South Carolina
edwardh1 Offline
edwardh1  Offline
Joined: Jan 2003
Posts: 3,079
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.


These products are all new every year?? They are a revolution!!! Razor blades, mens shirts, TVs, wiper blades, gutter guards, hearing aids... according to the ads. But also all new last year
Re: Home Inspection [Re: John_K] #4633216
01/13/18 07:31 AM
01/13/18 07:31 AM
Joined: Apr 2009
Posts: 288
Maryland
walterjay Offline
walterjay  Offline
Joined: Apr 2009
Posts: 288
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.

Re: Home Inspection [Re: John_K] #4633249
01/13/18 08:38 AM
01/13/18 08:38 AM
Joined: Aug 2017
Posts: 538
Nebraska
BJD78 Offline
BJD78  Offline
Joined: Aug 2017
Posts: 538
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 replace..so 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.


2010 Forester:122K
2009 Sonata :189K
2010 Tucson:55K

OCI 5K using the cheapest dino oil I can buy,usually NAPA or TSC Travelers oil.
Re: Home Inspection [Re: BJD78] #4633269
01/13/18 09:00 AM
01/13/18 09:00 AM
Joined: Jan 2007
Posts: 2,531
Oneida County, NY
rsylvstr Offline
rsylvstr  Offline
Joined: Jan 2007
Posts: 2,531
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.


2013 F150 SCrew Lariat 4X4 5.0 3.55
2012 Altima SL that still vibrates.
2018 Polaris Sportsman 850 SP. Polaris fluids and filter.
Re: Home Inspection [Re: John_K] #4633358
01/13/18 09:58 AM
01/13/18 09:58 AM
Joined: May 2003
Posts: 9,336
Central Coast, Calif.
tom slick Offline
tom slick  Offline
Joined: May 2003
Posts: 9,336
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.
Re: Home Inspection [Re: John_K] #4633369
01/13/18 10:03 AM
01/13/18 10:03 AM
Joined: Jan 2004
Posts: 2,717
Richmond, VA
Barkleymut Offline
Barkleymut  Offline
Joined: Jan 2004
Posts: 2,717
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.


09 Vue(95K) 2.4 4spd AT -PU 5w30 / 09 Flex(52K)3.5L PU / Moms car 04 Pilot(105K) 5w20 PP + Puro
Re: Home Inspection [Re: John_K] #4633382
01/13/18 10:10 AM
01/13/18 10:10 AM
Joined: Mar 2013
Posts: 911
Florida
laserred96gt Offline
laserred96gt  Offline
Joined: Mar 2013
Posts: 911
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.


96 Mustang GT: Castrol Edge 5w50
04 E-150, 4.6, 226K, PU 10W30.
11 Camry 2.5, 60K, Castrol Edge 0W20.
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