Property Inspection FAQs


Why has my vacation rental been selected for an inspection?

Our insuring carrier requires safety inspections on homes with a total insured value (TIV) of $750,000 or more. Properties with lower TIVs may also be selected at random.  

Will the inspector contact me to schedule an appointment?

The insuring carrier hires inspectors from a third-party inspection company. The inspectors are instructed to contact our office first before contacting you. This gives us the opportunity to send you an email letting you know an inspector will be reaching out to set up your inspection appointment for a day and time that works best for you. The email will contain the name and contact information of your inspector for your reference.

Do I need to do anything to prepare for the inspection?

The inspection is interior and exterior, so access to the perimeter and living spaces are required. Alert anyone who may be on the premises, such as occupants and property managers. Full access to places like furnace areas and pools will be required. You can prevent some of the most common post-inspection safety recommendations by making sure:

      • You have ample fire extinguishers that are in good working order, properly serviced and tagged.
      • There are no tree limbs hanging over your roof or overgrown vegetation against the structure.
      • Handrails on interior and exterior stairways are installed and in good working condition.
      • Walkways are smooth and do not pose a tripping hazard.
      • Items are placed away from furnace or other appliances that could pose a fire hazard.
      • Pools have depth markers, posted safety rules, and accessible life-safety equipment.
      • Electrical wiring, HVAC, and plumbing systems are in satisfactory and working condition.

What can I expect during the inspection?

The inspector will ask questions during the inspection, so having someone on site who has knowledge of the property and vacation rental business is helpful. The inspector will make observations about potential safety risks, and take photos and measurements. Appointment durations vary depending on the size of your home.  

What can I expect after the inspection?

If safety concerns are identified, we will notify you in writing. Some safety recommendations will require immediate attention, while others will be required to be completed prior to your next renewal. 

What happens if I don’t want my property to be inspected?

The purpose of the inspection process is to identify areas of concern that may be a risk to you, your guests, your property or your business. Property inspections are a requirement of the Vacation Rental Insurance Program. Non-compliance of a safety inspection may result in non-renewal of your insurance policy.

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