After an accident or damage (like a storm), a "loss inspection" or "adjustment" is conducted to determine the payout.

Most new homeowner policies trigger an inspection within the first 30 to 90 days to confirm the home matches the application.

Insurance inspections are routine evaluations that companies use to verify a property's condition and assess potential risks. Whether it is a "drive-by" exterior check or a scheduled walkthrough, understanding the process can turn a potentially stressful event into a simple administrative step.