Insurance Inspection -

For older homes or those in high-risk areas (like wildfire or hurricane zones), insurers may re-inspect every few years. Residential Inspections - ICAT

Insurance inspections are routine evaluations that companies use to verify a property's condition and assess potential risks. Whether it is a "drive-by" exterior check or a scheduled walkthrough, understanding the process can turn a potentially stressful event into a simple administrative step.

Insurers don't just inspect because they suspect something is wrong; it is a standard part of their underwriting process to ensure they are charging the right premium for the actual risk.

After an accident or damage (like a storm), a "loss inspection" or "adjustment" is conducted to determine the payout.

Most new homeowner policies trigger an inspection within the first 30 to 90 days to confirm the home matches the application.