You've found your dream home and all that's left is signing the papers to get the closing details underway. Before you take the leap to make the house really yours, there may be one more thing left to do – a pre-inspection of your property. Although this isn't extremely common for most home buyers, it can save you a lot of time when you're looking to get insurance for your new home.
Some insurance companies require you to have a pre-inspection performed before you can obtain coverage. While this is usually covered by your insurance company, it can take several days or weeks, which may hurt your plans for a closing date. Getting a pre-inspection can enable you to move quickly with the insurance company and have your home insurance squared away before you even get the keys to the house.
Why should I get a pre-inspection?
Not only is this inspection helpful for the insurance process, it can also be extremely beneficial for your peace of mind. There are a lot of unknowns that come with buying a house and a pre-inspection can help ease those concerns.
Many buyers choose to have a pre-inspection performed before they've even placed an offer on the house. This can be worthwhile, but it also has some drawbacks. During the time you're waiting for that inspection, another individual can place an offer on the house and swoop it up before you have a chance to. If you're fairly convinced no one else is interested in the house, then doing a pre-inspection before you place an offer is an excellent way to go.
Should you choose to schedule the pre-inspection for after you've placed an offer, that is an equally respectable decision. Either way, you can avoid much of the headache that comes along with home insurance when it's all said and done.
If you run into any problems with your home insurance company, don't hesitate to give our firm a call. Our Miami insurance lawyers have over 15 years of experience and are committed to your best!