CERTIFIED V.I.P. INSPECTOR

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CERTIFIED V.I.P. INSPECTOR

Consumers occasionally have trouble finding affordable property insurance because some insurers fear their homes will generate too many claims. Insurance companies may label these homes “uninsurable.”

Texas´ Voluntary Inspection Program (VIP) offers owners of well-maintained homes a way to show insurers that they deserve coverage.

Under the VIP, a home receives a “certificate of insurability” if it passes an inspection by a credentialed inspector, qualified by the Texas Department of Insurance (TDI).

Randall Kent of Logical Inspections, Inc. is a certified VIP Inspector.

A certificate of insurability creates a presumption your home is insurable. If you have a certificate, an insurance company can’t refuse to sell or renew a policy because of your home’s condition unless the insurer re-inspects it and describes the deficiencies in writing.

Once you have a certificate of insurability, it is good for three years so long as you don’t make substantial changes to your property. If that happens, an insurer can require an additional inspection. An insurance company may also require a written statement from you that there have been no significant changes to the property since it was inspected.