Coverage Starts With Clarity — Know Before You Close

A good home inspection gives you a clear understanding of a property’s condition, identifying possible issues with the structure, roof, electrical systems, plumbing, HVAC, and more. A thorough inspection is one of the most important steps you can take before buying a home.

What many people don’t realize is that their insurance company will be paying attention to many of the same issues — often after you’ve already made the commitment to buy. While it may be tempting to wait to address concerns like aging roofs, damaged siding, older electrical panels, or exposed wiring, these pre-existing problems can all raise red flags for insurers, because they increase the risk of future claims.

When these types of issues are discovered, the insurance company can require you to make repairs (sometimes quickly) to maintain coverage. Unexpected repairs can lead to unexpected expenses if not planned for during your purchase contract’s due diligence period.

Even if the home seems like a good fit, it’s worth looking closely at anything that could later be considered an insurance concern — especially high-cost items like the roof, electrical system, or exterior condition. Your home inspection report should document these types of issues clearly, so that you can anticipate potential expenditures and make informed decisions before it’s too late to back out of a potential home purchase.

If your inspection report notes roof wear, aging electrical equipment, or deteriorated exterior materials, it’s worth discussing these items with your insurance agent while your purchase is still contingent. Ask what might trigger a repair requirement or affect your policy approval, and whether they can offer any insight or inspection before closing. Having that conversation early helps you plan repairs, negotiate appropriately, or rethink your offer — before you’re locked in and dealing with unforeseen expenses after the fact.

We identify potential problems, but your insurance company might force you to fix them. Paying attention now can help you avoid costly surprises later.