Why Home Insurance Inspections Matter
You finally found the right insurance policy to protect your home — but before it’s official, there’s one more step: the inspection.
Home insurance inspections aren’t just about checking boxes. They help insurers assess risk and ensure your property is well-maintained. A clean, well-cared-for exterior tells your insurer that your home is a safe bet — potentially leading to better coverage and lower premiums.
But if inspectors spot neglected maintenance, it could mean higher rates, coverage exclusions, or even policy cancellation.
Here’s the good news: most issues are easy to prevent with regular upkeep. Below, we’ll break down what insurance inspectors typically look for — and how to make sure your home passes with flying colors.
What Inspectors Look for Outside Your Home
While requirements vary by company, home insurance inspections generally focus on your home’s overall safety, condition, and maintenance.
According to the Insurance Information Institute (III), inspectors look for potential hazards that could increase the likelihood of a claim — especially those related to weather, fire, and water damage.
Here’s what they’ll likely check:
- Roof condition: Signs of moss, damaged shingles, or aging materials.
- Gutters and drainage: Proper water flow and no overflow near the foundation.
- Exterior walls and siding: Peeling paint, wood rot, or damage from pests or weather.
- Driveways and walkways: Cracks, uneven surfaces, or tripping hazards.
- Windows and doors: Proper seals and no broken glass.
- Trees and landscaping: Overhanging branches or vegetation that could cause damage.
- Decks and fences: Structural integrity and signs of neglect.
A clean, well-maintained exterior sends a strong message to insurers — that you care for your property and take prevention seriously.
Top Exterior Maintenance Tips to Pass Your Inspection
1. Keep Your Roof Clean and Clear
Your roof is one of the first things inspectors notice — and one of the biggest factors in your insurance risk profile.
Moss, algae, and debris can signal neglect and potential for leaks. According to the National Association of Home Builders (NAHB), regular roof maintenance can extend a roof’s life by more than 10 years.
Pro Tip:
Have your roof professionally cleaned at least once a year. Remove moss, repair loose shingles, and ensure flashing and vents are properly sealed.
2. Clean and Maintain Gutters
Clogged gutters don’t just look bad — they’re a red flag for inspectors. Overflowing water can damage siding, fascia boards, and foundations.
The Insurance Institute for Business & Home Safety (IBHS) recommends cleaning gutters twice a year to prevent ice dams, leaks, and foundation issues.
Pro Tip:
Schedule gutter cleaning every spring and fall. If your home is surrounded by trees, you may need more frequent service.
3. Inspect Driveways and Walkways
Cracked or uneven pavement is one of the top safety hazards inspectors look for. It’s also one of the easiest issues to fix.
Beyond curb appeal, maintaining safe walkways reduces the risk of slips, trips, and falls — a major liability concern for insurers.
Pro Tip:
Pressure wash your driveway once a year to remove moss and grime. Repair cracks early before they expand during freezing temperatures.
4. Trim Trees and Clear Debris
Overhanging limbs and excessive vegetation can pose serious risks — especially during high winds or winter storms.
The Federal Emergency Management Agency (FEMA) recommends trimming branches that hang within 10 feet of your home and removing dead or diseased trees.
Pro Tip:
Trim back branches in late fall to prevent storm damage. Keep your roof, gutters, and yard free of debris that can trap moisture or attract pests.
5. Check Paint, Siding, and Woodwork
Peeling paint and cracked siding aren’t just cosmetic issues — they expose your home to moisture damage and wood rot.
Inspectors see visible wear as a sign of deferred maintenance. Addressing it before an inspection shows you’re proactive about protecting your property.
Pro Tip:
Repaint or reseal exterior surfaces every 5–7 years. Pay extra attention to trim, fascia boards, and areas near gutters or ground level.
6. Maintain Decks, Fences, and Outdoor Structures
Loose boards, rotting posts, and unstable railings can raise red flags during an inspection.
These issues aren’t just safety hazards — they can also suggest broader structural concerns.
Pro Tip:
Pressure wash decks and fences annually, replace damaged boards, and reseal wood surfaces to prevent decay.
7. Keep Driveways and Yards Clear
Insurance inspectors look for clutter, debris, and signs of neglect. Items stacked against the house, old materials, or junked equipment can signal potential fire hazards or pest issues.
Pro Tip:
Keep the perimeter of your home clear. Store firewood, ladders, and outdoor equipment away from walls and off the ground.
Bonus Tip: Document Your Maintenance
Before your inspection, take photos of your roof, gutters, siding, and yard. Keep a simple log of maintenance dates — it helps show insurers that you’re proactive about care and may even support future claims if damage occurs.
The Bottom Line
A little maintenance now can save you a lot later — both in repair costs and in avoiding insurance issues.
By keeping your home’s exterior clean, safe, and well-maintained, you’re not only protecting your property but also building trust with your insurance provider.
And if you need help checking those boxes, Johnny Tsunami’s award-winning team is here to make it easy. From roof and gutter cleaning to driveway and siding washing, we help homeowners across Kitsap, Pierce, and King Counties keep their properties inspection-ready year-round.
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