Insurance Inspection • Scared of results

[Patrick Shep]

I just closed on a property and insurance sent me notice they will be inspecting exterior within 30 days.

The roof had a few leaks and the previous owner repaired them with a lot of tar! I was trying to hold off a few years to replace since it’s not leaking.

Do I just wait for them to come and inspect or do I jump ship now for another insurance agency?

If they flag my me to replace with roof within 30 days like I’ve heard, will that impact me switching to other converage?

This is upstate New York.

[Patricia Steiner]

An insurance inspection post-acquisition is pretty standard - and it is so not appreciated.  I recommend staying the course but doing the following:

1. Make sure the property is free of any trip hazards and remove anything that remotely could be considered as such.

2. Clean the house and change the air filters.

3. Paint any surface that is stained - especially ceilings.

4. Cure any dripping faucets, running toilets.

5.  Make sure the electrical panel is easily accessible (if outside, make sure that the door secures well).

The roof is what it is and insurability will be determined by its remaining life; if the repair is substantial, it could also be an insurance issue.  Bottom line here: just let it be inspected without commentary; if questioned about it, just state that there have been no leaks and the prior owners were diligent in its upkeep.

Let it be...you'll survive it.  Hope this helps.