Consumption and Real Estate
Does a house have to pass a building inspection in order to get home insurance?
Question : Does a house have to pass a building inspection in order to get home insurance?
Does it differ between county and city municipalities? If it does have to meet and pass a building inspection, do they typically go by the International Building Code?
building inspection
Best answer:
Answer by Patricia C
Not in the US.
It is not necessarily the municipality that will require you to have an inspection. This will vary with insurance companies. Some will require an inspection prior to insuring and others may require one after insurance is put in place. If they inspect after the insurance has been put in place and find what they call “deficiencies”, they will make recommendations, and if you do not correct them, they have the right to cancel.
Also, as previously stated, they can deny a claim and/or cancel a policy if “misrepresentation” is found at the time of a claim.
So, to answer your question, no, the inspection is not necessary to get homeowners insurance, but there may be consequences to not getting one prior to insuring.