If the insurance company identifies any such conditions or hazards, you may be required to make repairs in order to prevent the company from cancelling the policy.

Typically, insurance companies are looking for these repairs to be made within 60 days of a new policies issuance.  As such, if your property has any of the following conditions it may be best to stick with your current policy until necessary repairs can be completed.

Examples of Common Conditions in Need of Repair

Missing Railings and Handrails

Handrails and railings help reduce the likelihood of a slip and fall event that could result in a costly lawsuit.

Roof Condition

When the inspector is looking at the roof, they will be looking for the following adverse conditions:

• Mold Growth
• Curling Shingles
•  Rust on Metal Roofs
• General Deterioration

Overhanging Trees

Trees and/or branches that overhang the property increase the chances of damage during a windstorm.

Missing or Broken Gutters and Downspouts

Gutters and downspouts form the first line of defense against a wet basement or crawl space. If you let water collect along the foundation, hydrostatic pressure will build, and water will eventually find its way inside the house.

Cracked Foundation

Cracks in the foundation can allow water to seep into the basement, or worse, affect the structural integrity of the home.

Dry Rot

Dry rot is a problem because it can allow water to enter the home if the condition is bad enough. It can also be a general sign of lack of upkeep and/or indicative of other issues like roof leaks, damaged getters or downspouts, plumbing leaks, or poor ventilation.

General Maintenance & Upkeep

General maintenance and upkeep items such as peeling paint, broken or boarded up windows, missing siding, overgrown brush and shrubs, debris on property, etc.