Investor · Arlington, VA · Member since 2014 · 151 posts · 37 votes
hey guys, I wanted to see if someone who has been around the block can offer some insight.
I have been house hacking my rental for the past 4 years but have recently moved out and am legitimizing it working with a prop manager and such.
one thing that has crossed my mind is when I switch my house insurance from owner occupied to rental, they will be performing an inspection and im a little bit anxious of my roof.
My shingles and ply boards were changed not too long ago however the joists are warped due to the house being a 1920s. Would this be an issue for any inspector?
I had my roofer inspect the joists to make sure it was solid when the roof was changed, infact it was them whom suggested I use the existing framing to save some bucks.
When you convert to a fire dwelling policy it's likely they won't enter the property. The inspection will be exterior only. They may walk common hallways and check out the basement but I have never had an insurance inspector look in the attic. Just my experience.
Even from the exterior, one can tell the roof bows in slightly. It is structurally sound as the joists were looked at by my roofing guys but I'm sure concerned that they may not like how it has warped over the past several decades.