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Do I have to pay for the repairs that the insurance inspector is requiring?
Who pays for the repairs that the insurance inspector says we need to complete: insurance or us? We recently purchased a new homeowner's policy and received a letter in the mail about the exterior inspection. Most of the repairs are small, like cracks in the sidewalk and overgrown vegetation. They also need us to repair a window and handrailing, which is much more costly. Since they want a copy of the receipts, will I be reimbursed?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“When an insurance inspector requests repairs to be made to the home, the homeowner is responsible for the repairs. These repairs are viewed as preventative maintenance, which is a standard part of being a responsible homeowner.
When a new homeowner’s policy is issued, it is common for the insurance company to send a home inspector to examine the property for any potential property and liability risk. Receipts of the work are usually required as proof of completion of the repairs.
Since you mentioned cracks in the sidewalk, check in with your local municipality. Some cities will do the repairs for you, which will be one less expense for you to handle!
The faulty hand railing is a frequent liability issue, so that will need to be fixed right away. If the window repair is financially out of reach, see if the inspector will give you more time. Some repairs may be suggestions or seen as less important than others.
Any time you think about looking for a lower price for your
homeowner’s policy
, it is also a great time to re-shop your auto policy. By bundling your auto and home insurance together, you can save on both policies with a multi-line discount. Use the free
Jerry
app to help make this happen! Jerry collects auto and home quotes from over 50 companies and brings the lowest available rates right to your phone.” View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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