Insurance Inspection

The homeowner's insurance game is changing and not for the better.

Why is it important to have an inspection of my home completed prior to applying for a new homeowner's insurance policy?

Don’t let insurers overcharge you. HPA inspects your property first, uncovering issues they use to raise rates. Secure better coverage before your next increase. Schedule your property assessment today.

Very Important:

Homeowners insurance has changed. Insurers now often send inspectors to check your home after approval without notifying you. Any errors or undisclosed issues can raise your premium, cancel your policy, or even lead to fraud accusations. We help you identify and fix potential hazards before you apply, so you qualify for a lower premium and avoid risk. We provide a full report for your insurer showing you’ve taken every step to protect your home and your wallet.

Insurers use the inspection to evaluate the overall condition and safety of the home.
They look for red flags like outdated wiring, an old roof, foundation issues, or plumbing concerns that may increase the likelihood of a claim.
Many insurance companies require a home inspection (especially for older homes or if the property hasn’t been recently insured).
Without one, they may deny coverage or limit your options.
A detailed inspection helps the insurer estimate the replacement cost of your home, not just market value.
This ensures that you get the right amount of coverage, aren’t overpaying, and that you don't end up underinsured.
If issues are found (e.g., missing handrails, roof damage, or faulty electrical systems), you’ll have a chance to fix them.
This could help you qualify for coverage or even get a lower premium.

If a claim arises and the insurer finds it’s related to a pre-existing issue they weren’t aware of, they might deny the claim.
An inspection up-front avoids disputes and ensures you're covered for what you think your home will need ahead.