I have been asked a couple of time what are the "Red Flags" that trigger an insurance company to look at a home with the intent of dropping or not ever covering a home, or a mortgage not being issued. This can be a serious problem when a person is trying to buy a home, or they have already bought it and then they are dropped. Many insurers and lenders will not even entertain covering a home that is over 30-40 years of age without an inspection of the major systems. They call them 4-Point inspections.
Over the years I have seen the following electrical items cause problems with obtaining insurance or a mortgage:
I have also seen the following items causing problems with coverage:
Scott Patterson has been a professional home inspector since 1995 and works out of the Greater Nashville TN area. You can contact him at his office 615-302-1113 or on his cell at 615-870-4162 via text or voice.