Thank you for choosing ICAT!
In order to fully be able to deliver on the promise to protect our policyholders in the event of a catastrophe, we believe it’s important to inspect the properties we insure. An inspection from ICAT or a partner inspection company will be sent to conduct an onsite inspection within 30 days after the policy is issued.
Frequently Asked Questions About Inspections
How do I know if my home will be inspected?
We inspect every property in California and for the ICAT Homeowners product in AL, MS, LA and TX, as well as all single and multi-family dwellings older than 5 years are inspected in Hawaii.
Will I need to be present during the inspection?
Our inspector will attempt to call you to schedule a date; however, if we cannot get ahold of you, we will choose a date for the inspection. When the inspector arrives, they will knock on your door and present credentials before inspecting the exterior of the home only. If you are not home, a door tag will be left advising that the inspection was completed.
What if I live in a gated community?
If you live in a gated community, we will ask that you let the appropriate party know that you will have an inspector that will need access on a specific day.
What if my home is occupied by a tenant?
You will need to provide the tenant adequate notice of the inspection.
What are we looking for during the inspection?
Wind/ Hurricane Mitigation Tips
Severe wind can occur as part of a natural hazard such as a hurricane, or on its own. Severe wind poses a threat to property and life due to the effects of flying debris.
Earthquake Mitigation Tips
An earthquake is sudden movement of the earth’s crust that causes violent shaking. The ground shaking can cause property damage and structural failure. Earthquakes can also trigger landslides and soil liquefaction.
Read the full blog on Risk Mitigation for Homeowners.