3 things to look for as a first time homebuyer.

May 24th, 2023 - Ben Volk - 5 min read

Age of Roof

When considering purchasing a house one of the first things buyers should think about, when it comes to insurability is the age of the roof. 

Many carriers will either, not insure, or charge an extra premium to insure a roof that is older than 15 years.

So hypothetically if you buy a home that either has a roof 15  years or older, or is about to BECOME 15 years old, the carrier could modify or non-renew your policy mid term costing you time and money.  The best way to be aware is attentive to appraisal results and past inspections if any are available.  An insurance agent can help you check the loss history on a property before issuing a policy 

While investigating a roof, homeowners should look for various signs and conditions to assess its overall condition and identify any potential issues. Here are some important things homeowners should look for when examining their roof:

Things to look for :

Fire Protection Class

Get this out of the way first.

While the fire protection class is an important consideration, it should be noted that it is just one factor among many when evaluating a property. Other factors such as location, construction quality, property condition, and personal preferences should also be taken into account when making a purchasing decision. Consulting with insurance providers, local fire departments, or fire safety professionals can provide further insights and guidance regarding fire protection and prevention in a specific area.


Understanding and mitigating the risks associated with floods, debris on a property, and active hazardous construction is essential for property owners and prospective buyers. Let's explore each of these risks:

Debris Risk:

Accumulation of debris on a property can pose safety hazards, impede property maintenance, and increase the risk of fire or other property damage. Debris can come from various sources, including fallen trees, leaves, construction materials, or neighboring properties.  When looking at potential property, keep in mind that you may have to clean or clear debris before an insurance policy can be bound or a loan will close.  To mitigate debris risk: 

To mitigate active hazardous construction risks:

In all these cases, consulting with professionals such as real estate agents, insurance agents, local authorities, and relevant experts can provide valuable insights and guidance regarding the specific risks associated with a property. Conducting thorough due diligence, obtaining appropriate insurance coverage, and implementing preventive measures can help mitigate these risks and protect your property investment and well-being.

Flood Risk:

Floods can cause significant damage to properties and pose a risk to personal safety. It is important to assess the flood risk of a property before purchasing or insuring it. Factors such as the property's location in a floodplain, proximity to bodies of water, historical flood data, and elevation above sea level are considered when evaluating flood risk.  It is also noteworthy to understand certain lenders will require you to carry flood insurance which is available but usually causes your insurance costs to double , if not worse.

To mitigate flood risk: Consult flood maps and consider purchasing flood insurance through the National Flood Insurance Program (NFIP) or a private insurer, especially if the property is in a high-risk flood zone.  Take preventive measures such as installing flood barriers, elevating utilities and appliances, and maintaining proper drainage systems.  Consider the property's surrounding infrastructure and community flood mitigation efforts.

Not all companies have the same appetite 

Why knowing carrier appetite is important and why an independent agent can be beneficial: