Your insurer wants an inspection. Know what they’re looking for.
An insurance inspection can affect renewal, eligibility, required repairs or underwriting. Before the visit—or before reacting to the findings—understand the purpose, document the home and turn each issue into a specific next step.
Build My Inspection Action Plan →
Inspection findings are inputs. Not automatic instructions.
If the insurer identifies a roof, electrical, plumbing, vegetation or other issue, the useful next step is to understand exactly what condition was observed and exactly what action is being required.
Document current condition
Keep useful records such as roof age, permits, recent repairs, mitigation work and clear photos where relevant.
Understand the scope
Know whether the review is focused on exterior condition, roof, systems, wildfire exposure or broader underwriting.
Get specifics in writing
Separate the observed condition, insurer requirement, deadline and consequence instead of reacting to a vague verbal summary.
Match the solution to the issue
Some findings need documentation, some repair, some professional evaluation and some may warrant a question or correction.
Mitigation evidence can be part of the insurance conversation.
If an inspection or underwriting review connects to wildfire risk, Colorado's current wildfire-model framework makes documented mitigation especially relevant. That does not mean every mitigation action guarantees renewal or a lower premium.
HAVRYO keeps the evidence tied to the actual insurance decision.
Property and community mitigation may affect wildfire scoring
Colorado law addresses how covered wildfire risk models and scoring methods account for specified mitigation and requires insurers to publish information about applicable mitigation actions and associated insurance treatment.
VERIFY AGAINST YOUR INSURERCompleted mitigation may support reconsideration
When statutory conditions are met, evidence of qualifying mitigation can support a request for a revised wildfire risk score or classification.
EVIDENCE MATTERSNo invented universal inspection checklist
Inspection criteria vary by insurer, property and purpose. HAVRYO will distinguish insurer-specific requirements from general maintenance guidance.
PROPERTY-SPECIFICTurn every finding into a defined response.
The Action Plan organizes the request, inspection findings, deadlines, supporting evidence and the professional help actually needed to resolve the insurance issue.
Start My Inspection Action Plan →Purpose, scope, scheduled date and insurer communication.
Roof, repairs, permits, mitigation and other relevant property records.
What was observed versus what the insurer is actually requiring.
When action is due and what insurance decision is connected to it.
Route roof, electrical, inspection or mitigation work only when the finding supports it.
Don’t fix everything. Fix the actual insurance problem.
Understand the inspection, document the finding and respond to the requirement that is really in front of you.
Start Your Inspection Action Plan →