What to Expect from Your Home Insurance Inspection with PCII

Facing a home insurance inspection? Relax. At PCII, this is what we do every day, and we've got you covered. Our residential insurance inspections are a straightforward, non-biased way to check on your home's condition. Our experienced inspectors, who come from a general contracting firm, simply help your insurance company, broker, or agency get a clear picture of your property. This helps establish your risk assessment score and the right cost of replacement value, so you know you're properly protected.

Why Inspections Are Simply Good Practice – And How PCII Makes It Easy

Think of these inspections as a routine check-up for your home. They're essential, and our expertise in this business means a smooth process for you:

1. Keep Your Policy Active: We help ensure your home meets standard insurance requirements, keeping your coverage consistent.

2. Spot Potential Issues Early: Our review helps identify anything that might lead to a claim later, like a leaky pipe or an electrical concern, allowing you to address it without stress.

3. Confirm Your Coverage is Right: With our clear reports, you can be confident your home is valued correctly for incidents like fires or unexpected damage.

4. Enjoy Real Peace of Mind: Knowing your home is in good shape and meets insurance guidelines lets you simply relax and enjoy your home, knowing you're protected.

What Our Inspectors Look At

Our inspectors have a routine way of looking at your home's key systems. We focus on what matters for your insurance, ensuring a clear and efficient review:

Key Systems (The "Four-Point" Focus)

• Roofing: We check your roof's age, its general condition, and main components, including the chimney, gutters, and downspouts, for good drainage. We also take a look in the attic for any moisture concerns or structural details connected to the roof.

• HVAC: We assess the age and condition of your heating and cooling systems, to make sure they're working well and aren't showing signs of leaks.

• Plumbing: We review the type of plumbing pipes, look for any leaks or water damage, and check on your water heater and all main shut-off valves.

• Electrical: We review the wiring types, inspect the electrical panel, and check for any signs of outdated or unsafe electrical setups.

• Foundation: We look for typical signs of settling, cracks, ensure proper drainage around the base, and check for any moisture in this important lower area.

A Little Help Goes a Long Way

To help us provide the most accurate and beneficial report for your insurer, a little preparation goes a long way. If you have them, supplying us with documentation such as permits, invoices, or records for any significant work—like a new roof, upgraded plumbing (repipes), electrical enhancements, or HVAC system replacements—is incredibly helpful. Knowing the ages of these key systems and when any upgrades were completed allows us to present the most precise picture of your home, strengthening your insurance assessment.

Fast Reports & Our Promise: We Get You Covered

You can typically expect your PCII inspection report within 24 hours or the next day. We know you don't want to wait.

Sometimes, based on your risk assessment score, our report might suggest a few things that could be addressed. If a repair or replacement might be helpful before your report goes to the insurance company, we've got you. We work closely with your inspector and your insurer.

If any work is recommended, we can connect you with our network of trusted contractors to help get those items taken care of, improve your scores, and keep your policy right where it should be.

Taking care of common home maintenance before your inspection is always a good idea, as it makes the whole process smoother.

At PCII, we're not just about inspections; we're about making sure you're covered, simply and effectively. We truly understand this business and are here to provide evaluations that keep your home protected and your insurance active. Call us today to schedule your residential insurance inspection – let us handle it, so you don't have to worry.