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Whether you’re a first-time homeowner or the owner of multiple properties, you should always conduct a thorough home inspection when acquiring a new house. Aside from getting the best home for your needs, a good review of the property will also assist you when applying for home insurance coverage. Below are the most important areas to review.

5 Areas of Home Inspection

1. Exterior

If the grounding of your prospective new home isn’t stable, it could translate to higher insurance premiums, or being declined by an insurer. An examiner should look at the outside of the home first. Cracks or separations in the block or concrete foundation, bulging or shifting of foundation or retaining walls, or cracked or unstable steps are warning signs. There shouldn’t be any standing water or leaking septic tank. Note any termite damage or rotting wood on additional structures such as sheds, decks, or fences. Watch for dangerous landscaping issues or damaged pathways that need to be repaired.

2. Heat

Even when shopping in the spring and summer, check out the heating system. Airflow should be consistent throughout the home with clean air vents and ductwork. Pay attention to any odd smells or rust around heating or cooling units. Most insurers require a thermostatically controlled central heating system powered by electricity, gas or fuel oil. If there is a chimney, it should be maintained and cleaned.

3. Roof

insuranceBecause the roof seals out precipitation and regulates indoor temperature, it should be scrutinized by a professional. They should check for signs of previous repairs, unaddressed damage, and structural issues. Damaged roofing will likely increase insurance rates or lead to being declined, so ask the sellers about the roof’s history. You and your real estate agent may be able to negotiate roof repairs or replacement before closing.

4. Electrical

If you’re buying an older home, bring in an electrician to check all wiring to reduce the chances of blackout or fire. Make sure all wiring is in good condition, not frayed or exposed. All cables should be secured and marked. Test your service panel to make sure that breakers do not overheat and operate smoothly. Generally insurers require a modernized system with circuit breakers instead of fuses.

5. Plumbing

A plumber will inspect pipes for leaks and damage. Older homes may feature galvanized plumbing, which will need to be replaced. The water heater should also be well-maintained and large enough to provide an appropriate amount of hot water for the household.

 

When choosing the right home insurance policy for your new home, look to Simmons Insurance Group of Southeastern Ohio in Coolville, OH, for expert assistance. As a family-owned and -operated business, they will make finding coverage easy and affordable, no matter if you need auto, commercial, health, or life insurance. For a custom quote, call their Coolville location at (740) 667-3111, and visit their website to learn more about how they will protect your home.

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