DIY Home Inspector – Homeowners Insurance in Florida

A home inspection isn’t automatically required when homeowners insurance in Florida is purchased, but it saves you precious time as several home insurance carriers have more frequently been requiring them so you should pay close attention before a licensed home inspector shows up on your doorstep. A home inspection provides both the homeowner and the insurance provider an accurate assessment of the replacement cost of your home and also notifies them to existing problems that must be corrected by the homeowner before they are provided an active homeowners insurance policy. Did you know that a DIY home inspection could save you much time and money before you opt to hire a professional home inspector?

Read: Before Closing: Do I Need To Get A Home Inspection & Affordable Homeowners Insurance Near Me?

With this simple checklist, you can easily examine your home throughout the year.

DIY Home Inspection Checklist:

It’s helpful to take notes of minor and major issues and repairs and make sure it’s dated.

What to Bring:

  1. Print: This checklist
  2. Wear: Gloves
  3. Carry: Flashlight, flathead, and Phillips-head screwdrivers

What to Look For:

  1. Roof Inspection includes:
  • Missing or broken shingles
  • Cracked caulk or rust spots on flashing
  • Cracked and worn rubber boots around vent pipes
  • Shingles that are curling, buckling, or blistering
  • Missing or damaged chimney cap

Read: Why Is The Best Florida Home Insurance Company Telling Me To Replace Your Roof? It Looks Fine To Me!

  1. HVAC
  • Inspect heat exchanger or heating elements
  • Inspect for gas leaks in gas furnaces- clean and adjust as needed
  • Inspect burner assembly
  • Inspect flue system
  • Inspect ignition system and safety controls
  • Measure temperature rise and adjust as needed
  • Inspect control box, associated controls, wiring, and connections
  • Inspect conditioned airflow system- check for leaks
  • Clean or replace air filters
  1. Plumbing connections and fixtures
  • All plumbing fixtures, to include sinks, showers, faucets, tubs and toilets shall be properly installed, fully operational and free of leaks.
  • Drain lines shall have a smooth interior waterway.
  • Check water supply lines, and drain lines for corrosion, improper fittings, leaks, and proper supports.
  • Check sink, toilet, laundry tub, and bathtub for cracks or missing pieces.
  1. Electrical wiring and panels
  • Check for outlets having loose-fitting plugs, the overheating of which can lead to a fire.
  • Replace any missing or broken wall plates.
  • Make sure cords are in good condition.
  • Make sure that cords are not nailed to the wall.
  • Make sure they are placed out of traffic areas.

It’s easy to get started once you’ve decided to buy homeowners insurance in Florida. The DIY home inspection process begins with a knowing eye and a sharp pencil.

Read more at: How To Gain Homeowners Insurance Premium Discounts In Florida?