Post-Purchase Home Insurance Inspections

Row of colorful suburban homes with green grass and blooming spring trees

You’ve found your dream home, settled in after a successful inspection and closing, then a contractor from your home insurance company knocks on your door for a post-purchase inspection.

Did you know this is a common practice? Here’s why these inspections matter:

Identifying Hidden Issues: Even the most thorough pre-purchase inspections may miss hidden issues that could become costly problems down the road. Post-purchase insurance inspections allow homeowners to uncover any issues that may have arisen since the initial inspection or were not apparent at the time of purchase. From structural concerns to safety hazards, identifying these issues early and resolving them can prevent future home insurance claims that could raise your rates.

Enhancing Safety and Security: The safety and security of your home and family should always be a top priority. Post-purchase inspections can help identify potential hazards such as fire risks, trip exposures, or structural weaknesses that could compromise the safety of your home. Addressing these issues promptly not only protects your investment but also provides peace of mind knowing that your home is a safe and secure environment for your loved ones.

Maintaining Insurance Coverage: Insurance companies often require periodic inspections to maintain coverage on your home. Regular maintenance and inspections are essential for preserving the value of your property over time. Failure to comply with these requirements could result in the cancellation or limitation of your policy, leaving you vulnerable to financial losses in the event of a disaster.

Inspection Guidelines: Insurance companies have specific guidelines for inspections, including roof condition, tree limb overhang, gutter cleanliness, missing handrails, yard clutter, and pool/trampoline disclosure. Addressing these promptly prevents minor issues from becoming major claims. By conducting post-purchase inspections, insurance companies mitigate risks, keeping rates lower in your area.

For questions about post-purchase home inspections or to have your coverage and rates reviewed, please reach out to Lauren Miracle at or 513-646-6415. 

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Carol Harris


With a 35+ year career in real estate, Carol has an unmatched experience in the Cincinnati residential market. Carol started her career partnering with Cincinnati’s first full-time female realtor, Sheila Miller. With Shelia’s mentorship, she developed a wealth of knowledge and built a reputation for selling high-end real estate. Carol and Shelia became one of Cincinnati’s leading teams, selling many of the city’s most expensive and iconic properties. Carol continues to grow the team through the examples of mentorship and teamwork. She is proud of what The CK Group is growing into and thankful for the chance to share, mentor, and work alongside such an outstanding group of women.