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Residential Inspections

In order to fully deliver on the promise to protect our policyholders in the event of a catastrophe, we believe it’s important to inspect all of the properties we insure. 

What to Expect from your Residential Inspection

ICAT Coastal Homeowners
An inspector will be sent to conduct an onsite inspection within 30 days after the policy is issued. All properties written with our Coastal Homeowners coverage will have an exterior inspection completed. Properties older than 20 years of age or high-value homes will have an internal inspection completed to closely examine the plumbing, electrical, HVAC, and roof systems.

Residential Hurricane Coverage in Hawaii
An inspector will be sent to conduct an onsite inspection within 30 days after the policy is issued. All properties written with our Hawaii Hurricane coverage will have exterior inspections only, regardless of coverage amount or age of the dwelling. Dwellings less than five years old, as well as condo and tenant policies, will not undergo an inspection.

man with hard hat and clipboard

Frequently Asked Questions

Our inspector will call you to schedule a date; however, if we cannot get ahold of you, we will choose a date for the exterior inspection. An appointment is required for an interior inspection. When the inspector arrives, they will knock on your door and present credentials before inspecting the exterior of the home only. If you are not home, a door tag will be left advising that the exterior inspection was completed.

  • Address verification
  • Year built
  • Number of stories
  • Square footage
  • Construction type
  • Building condition and roof condition
  • Roof covering and shape
  • Foundation type
  • Additional structures on the property

If you live in a gated community, we will ask that you let the appropriate party know that you will have an inspector that will need access on a specific day.

You will need to provide the tenant adequate notice of the inspection.

Inspection Guides

Download our residential inspections guides to learn more

Tools and Resources

Check out our blogs, download brochures, watch videos and more.