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What to Expect From an Insurance Inspection: Proactive Protection for Your Home

At Rathbun Insurance, we believe the best way to keep your insurance rates low is to prevent claims before they happen. One way we help accomplish this is through routine insurance inspections— a proactive measure designed to identify potential hazards and ensure your property remains insurable and well-protected.

You may receive a notice from your insurance carrier alerting you that an exterior survey (also called an inspection) will be conducted on your property. Here's what you should know:

What’s Happening and Why?
Your insurance company may hire a third-party survey vendor to conduct the inspection. These professionals are not decision-makers; their role is simply to document and report what they see. This includes taking photographs and noting any visible concerns like property maintenance issues or potential liability risks.

These inspections help insurance companies verify:

  • The occupancy and condition of the property

  • Any existing or developing risks that may need attention

  • That the property still aligns with the terms of the policy

Do They Schedule a Visit?
In most cases, no appointment is set. Survey vendors group nearby homes together and conduct multiple inspections in one day. You may receive a heads-up letter, but you won't be given an exact time. If you're home, the inspector may knock to let you know they're there and may request access to your backyard to complete the survey. They will carry a photo ID, and you are always welcome to ask for it.

What Are They Looking For?
This is an exterior-only inspection. Surveyors will take photos of the buildings and note any potential hazards, such as:

  • Tripping hazards like trenches or uneven walkways

  • Stairs or decks without handrails

  • Trees or vegetation growing too close to structures

  • Mildew, algae, or curling shingles on older roofs

  • Missing or broken siding, soffits, or fascia

  • Peeling paint or cracked windows

  • Missing downspouts

These are examples of commonly flagged issues—not all homes will have them, but it's good to know what to keep an eye on.

Will I Hear Back After the Inspection?
Typically, no news is good news. If there are no concerns, you likely won't be contacted. However, if your insurance company determines that something needs attention, we’ll follow up with details and guidance on how to address it.

Why This Matters
While inspections can feel unexpected, they’re truly meant to be a helpful tool. By identifying and fixing small issues early, you can:

  • Avoid costly claims down the road

  • Maintain your coverage without disruption

  • Potentially qualify for better rates by keeping your home in great condition

Need Help or Have Questions?
Rathbun Insurance is here to support you every step of the way. If you have questions about an upcoming inspection or have received a notice and aren’t sure what to do next, don’t hesitate to reach out. We’re committed to keeping you informed, protected, and prepared—because Being There Matters Most.