clock November 19, 2014 comments No Comments flowchart Business InsuranceCommercial Property InsuranceHomeowners InsuranceOur Blog tag Property MaintenanceSafety

Homeowners RI Insurance Explained

It is quite common for an insurance company to inspect a property right before or shortly after issuing a policy or while processing a claim. Why do homeowners RI Insurance companies inspect homes, rental properties, and commercial buildings? Insurance companies have several reasons for conducting inspections, and all are for your benefit. They want to make sure that you have the proper amount of coverage, alert you of any potential safety risks, and make sure that you are getting all the credits that you deserve.

Some insurance companies conduct exterior inspections only, which means that they do not need to enter inside your property. An exterior inspection allows home-inspection1them to take photographs and measurements of the property, as well as to assess the overall condition. Other insurance companies will also do an interior inspection, which requires them to gain entrance to the interior of your property. The purpose of this is similar to the exterior survey, except that they are also verifying critical building updates, such as plumbing, heating, and electric, as well as identifying any potential hazards.

If you experience a claim at your property, the homeowners insurance RI company will likely want to inspect the damage in order to be sure you receive the full compensation you’re entitled to. Also, the adjuster is trained to determine what caused the damage and to estimate what the cost to repair would be. A physical inspection is always the best way to assess the amount of damage during a claim.

For any interior insurance inspection, the inspector will call you, the insured, to schedule an inspection appointment. For exterior inspections, they will send you notice that they will be conducting the survey, but there may not be a need for an actual appointment.

If you have any questions about an inspector visiting your property, give us a call at (401) 723-8510! You can also visit us online for all your insurance needs.


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