Congratulations! You are either shopping for a new home in the Houston, TX area or are looking for information on home insurance. Before your mortgage will finalize, you’ll need a new home insurance policy from Heydari Financial Group. The agent will likely have an adjuster visit the house before they agree to sell you the policy. What will they be looking for?
Is the Home Secure?
The adjuster will verify that all the locks on the entry doors and windows are in good working order. They might check that fences have a good latch and that the garage door is able to fully close. They may require that you or the seller fix any missing locks. You want your possessions protected against theft.
Is the Exterior in Good Shape?
They will take pictures of the home and document the age of the roofing material, check the chimney for wear, and test the siding. If the home has missing clapboards or has peeling paint, it is possible that the insurer will want those maintenance issues addressed as soon as possible. It may turn out that the peeling paint contains lead and will require abatement.
Are there any Health Hazards?
Inside the home, the technician will check the basement and attic for signs of mold, water damage, or pests. A lingering damp spot may indicate a problem with the roof structure. Mouse droppings could tell you that there is an infestation.
These steps are taken to ensure that you are buying a property in good repair that does not pose an immediate hazard to your family or the neighborhood. Once the inspection is complete by Heydari Financial Group, you should be able to move forward with the purchase of your Houston, TX home.
Contact our agents at Heydari Financial Group for quotes on your insurance needs. We can also help you make the decisions that will guide you to the perfect plan.