Why Do a Walkthrough?

Your home's replacement cost changes over time, and your insurance company may not know about improvements you have made unless you tell them.

• Kitchen and bathroom remodels significantly increase replacement cost
• New roofing, HVAC, or plumbing affects the condition and depreciation schedule
• Finished basements, additions, or deck/patio add square footage you need to insure
• Updated electrical or plumbing may qualify for lower rates with some carriers
• A walkthrough documents the current condition of your home for future claims reference

How to Prepare for a Walkthrough

Before your agent arrives, take some time to prepare so the walkthrough is productive and thorough.

• Make a list of all improvements you have made since you bought the home or since your last review
• Gather receipts, permits, and contractor invoices for major work
• Take your own photos of each room, major systems, and exterior condition
• Note the age of your roof, HVAC, water heater, and major appliances
• Have your current policy declarations page handy for reference

What to Document During the Walkthrough

During the walkthrough, focus on the areas that most affect your replacement cost and insurance rating.

• Roof: Material, age, condition, and whether it has been replaced or repaired
• Kitchen and bathrooms: Countertops, cabinetry, fixtures, flooring, and appliances
• Flooring: Type (hardwood, tile, carpet) and condition throughout the home
• HVAC, plumbing, and electrical: Age, brand, and recent upgrades
• Windows and doors: Type (double-pane, impact-resistant) and condition
• Exterior: Siding material, paint condition, driveway, fencing, and landscaping
• Security features: Alarms, cameras, smart locks, and monitoring systems