2 Conditional All Homeowners Must Inspect Before Buying Home Insurance

While your home doesn't have to be in perfect condition in order to purchase home insurance, there are certain defects that could require repair or replacement. If not repaired, the insurance company could deny coverage. Therefore, it is important to identify any conditions before the insurance inspector arrives at your property. Below are two crucial components to a home that must be in good condition.

Missing or Curled Shingles

Many insurance companies hold the condition of the roof to a high standard. After all, a threadbare roof could trigger major interior damages within the home, potentially costing the insurance company thousands of dollars in claims.

Shingles that curl on end or display signs of lifting or bubbling indicate that they are detaching from the roof. A storm with high winds could blow the shingles off the roof.  

If these concerns are manifest, you will need to address them as soon as possible. Have a roofing specialist inspect the affected shingles. It could be something as simple as a protruding nail, which is usually a quick fix. If it's something more serious, it is always best to go ahead with the repair before the condition worsens.

Missing shingles must be replaced. Insurance companies tend to frown upon roofs with missing shingles. If you notice any missing shingles, even if it's just a few, replace the shingles as soon as possible.

Open or Cracked Foundation

Any openings in the foundation are a major concern for insurance companies. This allows varmints access to underneath the house. This presents the risks of chewed wiring and shredded insulation.

Most crawl space foundations have vents around the house so that the surface under the home has access to air. At times, these vents may become loose or pop off altogether. If your home is on a crawl space foundation, walk around the house to make sure that all vents are tightly secured.

More serious issues included holes or cracks. Any hole, even as slight as it may seem, must be mended. Most crawl space foundations are supported by brick or concreted, so any holes or cracks will be manifest. Some crawl space foundation repairs include the replacement of only a few bricks or blocks of cement.

Slab foundations are, at times, more difficult to identify any conditions. However, if you notice cracked bricks, cracks in the drywall, or drywall nail pops, then you must contact a specialist. These conditions are typically caused by your house settling due to changes in the soil. One cannot prevent settling, but any cracks caused by this must be remedied.