Home insurance inspection checklist

Use this during your home insurance inspection to record what the inspector finds and what needs fixing.

The home and its systems (the 4-point areas)

Roof and water damage

Roof age and water damage drive more coverage decisions than almost anything else.

• Document roof material, install date, and approximate remaining life
• Roof free of missing, curling, or damaged shingles
• No visible leaks, sagging, or soft spots
• Flashing, vents, and seals intact
• Gutters and downspouts clean and draining away from the home
• No interior water staining on ceilings or walls
• Basement or crawl space dry, with no musty odor
• Proper grading and drainage away from the foundation
• No standing water near the home

Many insurers will not write or renew a roof past roughly 15 to 20 years, depending on the material and carrier. Confirm your roof’s age and condition before the visit.

Exterior and grounds

Inspectors focus heavily on exterior risks that could lead to claims.

• Siding and exterior walls in sound condition
• Foundation free of significant cracks or movement
• Driveways, walkways, and steps in good repair
• Trees and large limbs trimmed away from the roof and power lines
• Fencing and outbuildings safely maintained
• No debris or hazards creating fire or liability risk

Doors, windows and entry points

Openings are evaluated for security, weather protection, and liability.

• Exterior doors solid and locks functioning
• Windows intact with no broken or cracked glass
• Weather sealing around doors and windows
• Handrails on steps and porches secure
• Adequate exterior lighting at entrances

Electrical, plumbing and HVAC systems

Outdated systems mean surcharges or refusals — and some materials are near-automatic denials.

• Electrical panel is a current, safe type — flag Federal Pacific (Stab-Lok) or Zinsco panels
• No knob-and-tube or aluminum branch wiring
• Breaker panel properly labeled, with no exposed or overloaded wiring
• Plumbing free of visible leaks — flag polybutylene or galvanized piping
• Water heater age noted, with a working TPR valve and a drain pan
• HVAC serviced, operational, and not past its expected life

Knob-and-tube wiring, aluminum branch wiring, Federal Pacific or Zinsco panels, and polybutylene piping commonly trigger refusals or surcharges. If your home has any of these, gather documentation of updates or replacements before the inspection.

Safety and liability

Fire and safety features

Working safety features reduce risk and can earn discounts.

• Smoke detectors installed and working on every level
• Carbon monoxide detectors installed where required
• Fire extinguishers accessible and not expired
• Fireplace and chimney cleaned and maintained
• Clear access to exits and escape routes

Liability red flags (attractive nuisances)

These are classic reasons coverage is declined or surcharged — disclose them and document safety measures.

• Pool enclosed by a compliant, self-latching barrier
• No diving board (or removed if your insurer requires it)
• Trampoline has a safety net and is disclosed to the insurer
• Dog breed disclosed if your insurer restricts certain breeds
• Playsets, ponds, and other hazards secured

Failing to disclose these can void a claim later. Tell your agent up front rather than hoping they go unnoticed during the visit.

Records and the visit

Documentation and property details

Insurers verify these to confirm replacement cost and coverage accuracy.

• Year the home was built
• Square footage matches official records
• Construction type confirmed
• Recent renovations documented with permits and receipts
• Updates to roof, plumbing, electrical, or HVAC recorded with dates
• Photos of major systems and improvements on file

Prepare for the inspection visit

Preparation helps the inspection go smoothly and reduces follow-up requests.

• Inspector has full access to the roof, attic, panel, and crawl space
• Pets secured during the visit
• Clutter cleared from key areas and access points
• Minor repairs made where possible
• Be available to answer basic questions and provide records

Review inspection results

Findings can mean required repairs, a surcharge, or even non-renewal — act promptly.

• Review the inspection report carefully for errors
• Address required repairs before the insurer’s deadline
• Submit proof of repairs (photos, receipts, contractor invoices)
• Ask how findings affect your premium, discounts, or coverage
• Request a reinspection once repairs are complete
• If non-renewed or surcharged unfairly, appeal or shop other insurers