Yes, most carriers will require an inspection as part of the underwriting process. These inspections are typically focused on the exterior of the buildings and may include a review of roofs, siding, common areas, and overall property condition, as well as key systems and safety features such as electrical, plumbing, fire protection, and lighting. The purpose is to assess the property’s condition, identify any potential risks or maintenance concerns, and ensure the coverage and valuation are appropriate. In many cases, the inspection is completed by a third-party vendor hired by the carrier, and they will coordinate scheduling directly with your HOA or property manager.
