What is Included in an Electrical Insurance Inspection?

4 Feb 2021 Licensed Electrician

If you are trying to get insurance for your home or business, it is likely that your insurance broker is going to require an electrical inspection to be done. During an insurance inspection, a licensed electrician will come to your property and go through a lengthy checklist of items to ensure that the building’s electrical workings do not present a potential hazard. They will give this report to you to then hand off to your insurance company. At Expert Electric, we offer comprehensive electrical insurance inspection services throughout the Lower Mainland of BC, and we can help do any of the work needed to improve your electrical system and lower your insurance premiums.

What Do Electrical Insurance Inspections Include?

Electrical inspections for insurance include a wide variety of items. Your electrician will go over a checklist and, at the end of the inspection, they will give your property an overall rating and recommendations for change. Some of the areas included in an electrical inspection include:

Qualification of Electrical System

The first part of an insurance inspection is to qualify the property’s electrical system. An electrician will look at the size of the building’s service connection and note the type of circuitry used, the kind of distribution panel, and more to ensure that everything is up to modern standards.

Overall Condition of Electrical System

Many of the points on an electrician’s insurance inspection checklist pertain to the overall condition of a building’s electrical connections and circuits. This includes making sure that the grid connections are in proper condition and not in contact with tree branches or gutters, checking for signs of corrosion and aging, and ensuring that everything is located in the right place and has not been tampered with.

Looking for Code Breaches

Electrical codes are incredibly important for ensuring that electrical systems are kept up to date and do not pose a risk to people in and around them. A big part of an electrical insurance inspection includes looking at when the home or commercial building was constructed and whether or not the system is up to modern day codes and electrical regulations.

Checking for Fire Hazards

There are many key concerns that could result in electrical fires. As electrical fires are one of the biggest costs for insurance companies, much of the electrical insurance inspection will be geared towards making sure that potential hazards are noted and dealt with.

If you would like to learn more about what is included in an electrical insurance inspection, or to find out how the team at Expert Electric can help you pay less for your insurance premiums through our electrical services, please call us so we can answer your questions.