If you own a home, the best way for you to protect it is through home insurance. Thereâs no short cut. Without this insurance, you are placing your home and all its contents at risk. In case there happens to be a fire or burglars break into your home, you won’t have any other option but to handle the loss on your own. To avoid incurring huge losses when your home gets destroyed, you are advised to have home insurance. However, for you to obtain or be reissued an insurance policy by the insurance company, you need to pass an inspection. This can be nerve-racking because failure to pass the inspection would automatically mean that you don’t get the insurance policy. The aim of this inspection is to determine whether you are a responsible and safety-conscious homeowner. Below are ways to ensure you pass the inspection.
1. Assess The liabilities In Your Home
Before the inspection day, you have to ensure that you go through your home to determine the liabilities around your house. Look at your property the same way the insurance agent will. When looking for liabilities, you are basically looking for ways in which people in your house can get hurt easily. For example, you might have an unsecured swimming pool that may put your children, especially toddlers, at risk. Look around if you have overgrown trees. These are dangerous because they may smash the power lines or cause injuries during strong winds. Once you have a list of the liabilities, try to find ways of minimising the risk.
2. Inspect The Wiring And Electrical aspects In Your Home
You need to have some basic knowledge of how you are supposed to handle electrical issues. Are there any loose and open wires that could cause potential injuries? It is your role to ensure that no electrical mishaps occur in your house. If you notice there are overcrowded or broken outlets, call an electrician to fix them. The inspector will also check whether there are sparks when you turn on the lights. Such things are key, and you should expect the insurance agent to look out for them.
3. Inspect The Pipes
Expect the insurance agent to inspect the pipes and plumbing system in your house. Water damage is a major issue that could lead to a lot of problems, such as infections. The insurance company will want to minimise this risk by ensuring the plumbing system is secure. Don’t leave any faucets dripping or water stains glaring from the ceiling. If you notice your plumbing system has an issue, call your local plumber to to fix the problem. There is a great source of information available on the Duliban Insurance Brokers website.
4. Have A Fire Extinguisher In Your Kitchen
It is common to have fires outbreak in your home. You, therefore, need to practise safety by ensuring that you have fire extinguishers in all places that might be sources of the fire outbreak. Having functional fire extinguishers will reduce your insurance costs by a significant amount. Don’t just do this to pass the inspection. Accidents occur, and you should always have a solution in your house.
For you to get a home insurance policy with ease, you need to be smart. You have to do everything you can to minimise the risk in your home. This is the only way you will get the insurance approved.