Residential Insurance Inspections

Your home is likely your most valuable asset. Protecting it requires having the right residential insurance coverage tailored to your property’s unique risks. At Underwood Insurance Adjusters, our comprehensive residential inspections identify hazards and maintenance needs so your insurer can customize coverage to safeguard your investment.

Our detailed inspection services are designed to give homeowners peace of mind.

Property Insurance Inspections

Would your insurance cover the full rebuild cost if a fire, storm, or other disaster struck your home? With rising construction costs, many homeowners are underinsured without even realizing it. Our expert residential property inspections examine your house from top to bottom to inform your insurer on the true replacement value.

Our inspectors will carefully evaluate the roof, attic, walls, floors, electrical systems, HVAC equipment, plumbing, appliances, and more. We use checklists and take photographs to document the building’s structural condition, materials used, age of systems, and any problem areas. For the exterior, we look at siding, windows, doors, walkways, drainage, fencing, and other elements that protect your home.

You’ll receive a comprehensive residential inspection report outlining:

  • Repairs needed and estimated costs 
  • Code violations or safety issues 
  • An accurate assessment of rebuild cost based on square footage and materials
  • Recommended levels of dwelling and contents coverage

With these professional insights, your insurer can set appropriate policy limits, premiums, and deductibles to truly cover rebuilding your house in the event of a total loss. We help give you peace of mind that you won’t be left financially devastated.

Liability Insurance Inspections  

Lawsuits from injuries to visitors, guests, or passersby on your property can be financially crippling if your liability coverage is inadequate. Our residential liability inspections identify risks to safeguard your assets. We look for dangers such as:

  • Tripping hazards – Uneven walkways, missing handrails, etc. that may cause falls
  • Pool risks – Lack of proper fencing or gates securing the pool area 
  • Dog bite hazards – Lack of signage alerting of pets, aggressive breeds, etc.  
  • Playset dangers – Improperly installed equipment, lack of ground cover, etc.
  • General upkeep – Sidewalks with raised edges, low-hanging tree limbs, wet leaves accumulating, etc.

Think of our inspection as a safety audit of your property. We note risks that many homeowners overlook to prevent future accidents. Our report arms your insurer with a complete picture to set appropriate liability coverage limits.

Protect your most valuable asset and financial future through a residential insurance inspection. Contact Underwood Adjusters today to schedule an appointment! Our experts serve homeowners across the Maryland, Virginia, and Washington D.C. metropolitan area.