After you apply for a FAIR Plan, your property may be inspected. It's a normal part of the process. Knowing what inspectors look for can help you avoid surprises.
Why FAIR Plans inspect
FAIR Plans provide coverage for property that private insurers won't take, but the property still has to meet basic eligibility rules. In Washington, for example, the property must be occupied and reasonably maintained. An inspection confirms the property's condition and helps set coverage.
What inspectors commonly check
- The roof's age and condition
- Electrical wiring and panels
- Plumbing and heating systems
- Steps, railings and walkways
- Broken windows, doors and locks
- Overhanging trees, brush and debris
- Whether the property is occupied
Have questions about an upcoming inspection? We'll walk you through it.
Call (888) 928-9324How to prepare
- Repair broken windows and add dead bolts
- Trim trees and brush away from the house
- Clear out trash and debris from the yard and porch
- Fix loose steps and railings
- Make sure the inspector can access the property
If repairs are needed
Depending on the state plan, you may be asked to make certain repairs by a deadline. If required repairs aren't made, coverage may be affected. Read any inspection letter carefully, and call your agent right away if you have questions or need more time.