Most agents can't answer this. I can.
Every year, Des Moines home deals fall apart because of insurance problems nobody saw coming — knob-and-tube wiring, polybutylene plumbing, roof age, foundation issues. Buyers can't get financing. Sellers lose negotiation leverage.
A standard home inspection doesn't cover insurability. That's where I come in.
Know your risks before listing. I help you fix deal-killers proactively — or price accordingly. When you understand what an insurance underwriter will flag, you can address it on your terms instead of scrambling during negotiations.
Don't buy a home you can't insure. I identify red flags during your search — before you're under contract. That means no last-minute surprises, no scrambling for coverage, and no deals falling through at the finish line.
10+ years as a CPCU (Chartered Property Casualty Underwriter). I've evaluated thousands of properties from the insurance side. Now I use that expertise for YOU.
Most real estate agents have never read an insurance policy. I've written them. That difference saves my clients time, money, and headaches on every transaction.
A thorough evaluation of a property's insurability. I check for issues like knob-and-tube wiring, polybutylene plumbing, roof age and condition, foundation problems, prior claims history, code violations, flood zone status, and attractive nuisance liability — the factors insurance companies use to determine whether they'll insure a home and at what cost.
Home inspectors check the condition of the home, but they don't evaluate insurability. A home can pass inspection and still be uninsurable — or insurable only at a prohibitively high premium. With 10+ years as a CPCU, I know exactly what insurance underwriters look for and can identify deal-killing issues that inspectors often miss.
The assessment is completely free for my clients — whether you're buying or selling. It's part of the value I bring as a CPCU-certified REALTOR. I want to make sure you go into every transaction with full knowledge of any insurance-related risks.
Whether you're buying or selling, let me evaluate your property's insurance risks before they become expensive problems.
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