Do I have to pay for the repairs that the insurance inspector is requiring?

Who pays for the repairs that the insurance inspector says we need to complete: insurance or us? We recently purchased a new homeowner's policy and received a letter in the mail about the exterior inspection. Most of the repairs are small, like cracks in the sidewalk and overgrown vegetation. They also need us to repair a window and handrailing, which is much more costly. Since they want a copy of the receipts, will I be reimbursed?

Answer
“When an insurance inspector requests repairs to be made to the home, the homeowner is responsible for the repairs. These repairs are viewed as preventative maintenance, which is a standard part of being a responsible homeowner.
When a new homeowner’s policy is issued, it is common for the insurance company to send a home inspector to examine the property for any potential property and liability risk. Receipts of the work are usually required as proof of completion of the repairs.
Since you mentioned cracks in the sidewalk, check in with your local municipality. Some cities will do the repairs for you, which will be one less expense for you to handle!
The faulty hand railing is a frequent liability issue, so that will need to be fixed right away. If the window repair is financially out of reach, see if the inspector will give you more time. Some repairs may be suggestions or seen as less important than others.
Any time you think about looking for a lower price for your homeowner’s policy, it is also a great time to re-shop your auto policy. By bundling your auto and home insurance together, you can save on both policies with a multi-line discount.
Use the free Jerry app to help make this happen! Jerry collects auto and home quotes from over 50 companies and brings the lowest available rates right to your phone.”
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Shannon Martin
Answered on Jul 27, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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