One of the first things that happens when you purchase homeowners insurance in Phoenix is that your insurance company will send someone to your home to either do an on property inspection, or ask you to send pictures so they can view your home and property.

The point of this initial inspection is two-fold as it not only allows the insurance company to decide if your home is worth insuring, but also to assign it a value, which will both affect your premiums and the amount you can make future claims for.

It’s important to know what inspectors will look for when coming to view your property, as some minor maintenance and touch ups could do wonders for your assessment and lower your premiums.

These are some of the key factors that your insurance inspector will look for:

• The age of you home and what materials it was built out of.
• Electrical and plumbing systems, including exposed wiring and exposed pipes.
• Any tree limbs and branches that might hang over your home. Whether or not there is dry rot on your fascia.
• Broken windows or damaged siding.
• Signs of leaks in walls or ceilings.
• Water connections from your washer and dryer.
• Other areas of liability that might cause accidents or damage.

Some of these issues can be avoided with minor maintenance, while some other larger issues might be beyond the homeowner’s means. However, with small maintenance items like replacing loose shingles or removing dangerous branches, it is highly advised to repair or remove harmful issues before your inspection takes place.

Keep these things in mind when buying homeowners insurance in Phoenix and always remember to contact Summit Insurance Advisors for all your insurance needs.