Abbott Insurance Kansas City

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8117 N Oak Trfy, Kansas City, MO 64118
unmanned drone being operated to complete home inspections

Home Insurance Inspections: Navigating the New Normal

Let's talk about something that might not be the most exciting topic but is incredibly important: home insurance inspections. Yep, those visits from your insurance company to check out your property are becoming a bit more intense, and it's crucial to be in the know about what's going on.

So, what's changed? Well, insurance companies are stepping up their game, using cool gadgets like drones to get a bird's eye view of your property. These high-flying devices give insurers a detailed look at everything from your roof to your backyard, helping them spot potential risks more efficiently.

But here's the thing: with increased scrutiny comes a higher chance of non-renewals if your property doesn't meet certain criteria. Let's break down some of the main reasons why your insurance might not get renewed:

01. History of Losses

Insurance companies keep a close eye on your property's past insurance claims. If you've had a string of big losses – like multiple claims for fire or water damage – insurers might see your property as a higher risk to insure. That could lead to them hitting the brakes on renewing your policy.

02. Pesky Pets

While we all love our furry friends, some insurance companies have concerns about certain animals on the premises. This might include breeds with a reputation for aggression or animals with a history of causing property damage. If your policy includes coverage for liability related to pets, insurers might be extra cautious.

03. Yard Hazards

Your yard might seem like a harmless place, but insurers see it differently. Excessive debris not only looks messy but can also pose a fire risk or create tripping hazards. Similarly, overhanging vegetation might seem picturesque, but it can also lead to issues like roof damage or pest infestations. Keeping your yard tidy and hazard-free can go a long way in keeping your insurance company happy.

04. Roof Woes

Your roof is your home's first line of defense against the elements, so it's no surprise that insurers pay close attention to its condition. Signs of wear and tear, like missing shingles or sagging areas, can indicate potential problems down the road. If your roof is in rough shape, insurers might see it as a red flag and opt not to renew your policy until repairs are made.

Now, I know this all sounds a bit daunting, but there are things you can do to stay ahead of the game. First off, be proactive! If you spot any issues with your property, like a leaky roof or a yard full of debris, don't wait until inspection day to deal with them.

Communication is also key. If you have questions or concerns about the inspection process or your policy's renewal, don't hesitate to reach out to us. We're here to help you navigate these changes and make sure you're adequately covered.

So, there you have it – a crash course in the ever-evolving world of home insurance inspections. Stay informed, stay proactive, and most importantly, keep your home protected for years to come.