Is a Home Inspection Required to get Homeowners Insurance?

Is a Home Inspection Required to Get Homeowners Insurance?

If you are buying or selling a home, you may wonder if an inspection is needed. The answer is “generally yes.” To purchase a home, a buyer will need homeowners insurance coverage. Depending on the insurance company, an inspection may or may not be required. Plus, some lenders will require an inspection to protect their risk. Generally, wise homebuyers will insist on an inspection to identify any major issues that may exist and to ensure that the home is in desirable shape before closing. This gives the buyer negotiating room with the seller. Time to call for expert home inspections in Riverside, CA.

What is a Home Inspection and What Does it Cover?

A home inspection is an examination of a home’s condition prior to its sale. It doesn’t involve digging into the walls or taking apart any systems. The inspector evaluates the condition of the home at the time of inspection but does not provide any guarantee about the home’s future condition or its life expectancy.

Professional home inspections in Riverside can be a simple four-point inspection that evaluates the condition of the roof, plumbing, electrical systems, and heating and cooling equipment. A “whole home inspection” can be requested which, in addition to the basic four points, will cover the chimney, assessment of potential water and mold damage, presence of lead-based paint or asbestos, and any signs of termites or rodent infestation.

Are Termite Inspections Necessary?

Termites can cause serious damage. It may be wise to not skip this inspection because termites can be active even if unseen by normal observation. And termite damage can be expensive. Call for expert termite inspections in Riverside to get peace of mind and damage protection.

What is a Natural Hazard Disclosure (NHD) Report?

NHD reports in Riverside are prepared by geologists which disclose various hazards including flood hazard areas, active and potentially active faults, landslide zones, fire hazard areas, radon, naturally occurring asbestos, and methamphetamine contamination.

How to Find Qualified Home Inspections in Riverside

Finding the right home inspections in Riverside includes these factors: ask your realtor who they trust with their transactions, it is good etiquette for your REALTOR to provide you with three trustworthy companies; examine review sites to find great reviews; ask about their certifications and experience; verify their license and insurance; ask what their inspections cover, and choose someone who wants you present. Then, make the inspection official and be present.

Expert Home Inspections in Riverside and Most of Northern and Southern California

HomeGuard provides superior home inspections in Riverside and throughout California. Our home inspectors are carefully selected for certification based on technical skills and professionalism. We provide home, roof, and termite inspections, and perform expert roof and termite repair work to meet your needs. Contact us today by calling (855) 331-1900 or contact us on our website.