insur wants inspection re
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insur wants inspection re (by Laker Lori [CA]) May 20, 2024 2:29 PM
       insur wants inspection re (by RB [TN]) May 20, 2024 2:55 PM
       insur wants inspection re (by mapleaf18 [NY]) May 20, 2024 3:31 PM
       insur wants inspection re (by wmh [NC]) May 20, 2024 3:47 PM
       insur wants inspection re (by ken [NY]) May 20, 2024 4:02 PM
       insur wants inspection re (by Bonanza [NC]) May 20, 2024 4:32 PM
       insur wants inspection re (by 6x6 [TN]) May 20, 2024 8:28 PM
       insur wants inspection re (by MikeA [TX]) May 20, 2024 9:06 PM
       insur wants inspection re (by Jim [CA]) May 21, 2024 12:02 AM
       insur wants inspection re (by Jim [CA]) May 21, 2024 12:13 AM
       insur wants inspection re (by zero [IN]) May 21, 2024 8:29 AM
       insur wants inspection re (by Nicole [PA]) May 21, 2024 12:39 PM
       insur wants inspection re (by Busy [WI]) May 21, 2024 3:06 PM
       insur wants inspection re (by Robert,OntarioCanada [ON]) May 22, 2024 6:31 AM
       insur wants inspection re (by tryan [MA]) May 22, 2024 7:28 AM

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insur wants inspection re (by Laker Lori [CA]) Posted on: May 20, 2024 2:29 PM
Message:

A question for my realtor sister, who has never had this happen before: insurance agent is asking for a copy of the inspection report.The report does note a few things not up to code. They wonder if insurance would use it to force fixes before insuring. Thoughts? Share it or no? --174.243.xxx.x




insur wants inspection re (by RB [TN]) Posted on: May 20, 2024 2:55 PM
Message:

"A few things not up to code".

Lets hear em. --69.130.xxx.xxx




insur wants inspection re (by mapleaf18 [NY]) Posted on: May 20, 2024 3:31 PM
Message:

Yep. Insurance companies are now doing drone flyovers, etc. checking the condition of your roof, looking for dangerous dogs in the back yard, demanding inspection reports before they insure you. --64.246.xxx.xx




insur wants inspection re (by wmh [NC]) Posted on: May 20, 2024 3:47 PM
Message:

What inspection report are you talking about? --173.28.xx.xxx




insur wants inspection re (by ken [NY]) Posted on: May 20, 2024 4:02 PM
Message:

am buying a 2 family needing a roof pretty bad and foremost turned me down due to the roof,never been turned down by foremost, they would insure anything --74.77.xx.xx




insur wants inspection re (by Bonanza [NC]) Posted on: May 20, 2024 4:32 PM
Message:

You could try the line, "If you would like a copy of the inspection report, it is $495"

:-)

--65.188.xxx.xxx




insur wants inspection re (by 6x6 [TN]) Posted on: May 20, 2024 8:28 PM
Message:

Insurers don't want to insure. --76.129.xxx.xx




insur wants inspection re (by MikeA [TX]) Posted on: May 20, 2024 9:06 PM
Message:

I would ask the agent to have the underwriter provide the request in writing. If it's just the agent's request then I would want to know what they need it for.

Also understand that having something up to current code is not required on a property, it is grandfathered into whatever the code was at the time it was built. So, for example, not having a GFCI outlet in a bathroom for a house built in 1970 (assuming the outlet has not been replaced) is not required because GFCI outlets in bathrooms were not a part of the building code until 1975.

--209.205.xxx.xx




insur wants inspection re (by Jim [CA]) Posted on: May 21, 2024 12:02 AM
Message:

Insurance companies in California are starting to be very critical of the properties they insure. On our condo, they looked at the type of electrical system we have.

They do not like aluminum wire, fuses, some old-fashioned wiring, and some breaker boxes that are fire prone. I had GE push matic at one property and thatís one of the breaker boxes they do not like. --146.70.xxx.xx




insur wants inspection re (by Jim [CA]) Posted on: May 21, 2024 12:13 AM
Message:

Insurance companies in California are starting to be very critical of the properties they insure. On our condo, they looked at the type of electrical system we have.

They do not like aluminum wire, fuses, some old-fashioned wiring, and some breaker boxes that are fire prone. I had GE push matic at one property and thatís one of the breaker boxes they do not like. --146.70.xxx.xx




insur wants inspection re (by zero [IN]) Posted on: May 21, 2024 8:29 AM
Message:

MikeA, when I was still doing side jobs for realtors replacing GFCIs was the main gig. Bath, kitchen and garage.

Insurance might not have been involved but every inspector scared the buyers into demanding them.

Sometimes I miss those days. Easy money and I got to see what the houses were like and what they sold for.

Every place I buy I make sure that the bathroom and around the kitchen sink is protected.

But I do love grandfathering in. --107.147.xx.xx




insur wants inspection re (by Nicole [PA]) Posted on: May 21, 2024 12:39 PM
Message:

Here, all codes violations must be fixed in a short time period so providing the report wouldn't be an issue. Years ago we had a point system where minor things basically didn't matter. Big items like smoke detectors and electrical issues had short time frames for corrections. Now, every violation must be corrected and reinspected.... like last summer during an inspection when the humidity was incredibly high, a kitchen door stuck (a little bit). I got written up. I scheduled the reinspection for October. Passed with the guy telling me I did a good job fixing the door frame !!

Grandfathered in doesn't fly for many things in my area. Zoning, yes. Things like GFIs, 10 year smoke detectors, carbon monoxide detectors ... nope ... they must be up to current code. --98.237.xxx.xx




insur wants inspection re (by Busy [WI]) Posted on: May 21, 2024 3:06 PM
Message:

Nicole, thatís funny! Wish all things were such an easy fix. --172.59.xx.xx




insur wants inspection re (by Robert,OntarioCanada [ON]) Posted on: May 22, 2024 6:31 AM
Message:

Here when a house is bought insurance companies require 200 amp circuit breaker panel no fuse panels where new construction requires arc fault circuit breaker panels as well. Code depends on current building code or building code when building was built. Newer codes are more stringent and more codes than before. Some insurance companies do not want wood stove where others allow at a higher rate. Insurance companies may come to inspect where in apartment building they wanted GFI outlets in kitchen as newer construction has split electrical outlets where GFI will not work with split outlets. It would easier to change circuit breakers to GFI where if hired a electrician would require 20 amp service to kitchen where 15 amps is more than enough with split outlets as two 15 amps can be plugged into one outlet. After going through building he did not sling set in back yard where took to scrap metal place then told me building was way above then other buildings. Metal roof is bonus. --207.236.xxx.xxx




insur wants inspection re (by tryan [MA]) Posted on: May 22, 2024 7:28 AM
Message:

Good news is it'll be 2-3 months before the insurance company sends an inspector. So just fix the problems ... be proactive.

My last REO purchase my insurance agent wrote a binder knowing the place needed a roof. He said "get it done and send pictures or this will be cancelled upon inspection". Guess what I did. --198.168.xx.xxx



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