Call Us Today:
Client Portal

Benefit Enrollment

Home Inspections

Home Inspections

Home inspections, what are they looking for?

If you are asked to allow a home inspection for insurance, please do not feel you have been singled out or may pay a larger premium as a result. We strive to make certain every policy meets the needs of the insured for loss in addition to getting the lowest premium.

When you receive an insurance quote, replacement value calculation software is used by your insurance representative at American Insurance & Investment to determine the home's replacement value. The software is very good but every property is unique in some way so the best way to validate the cost to rebuild for the homeowner is to conduct an insurance inspection.

It has become more common in recent years for home insurance companies to conduct insurance inspections within 30 days of the new policy or at renewal. Many of the inspections take a look at the interior of the residence as well as the exterior.


There are two primary purposes of a home inspection:

  • To validate the replacement value are calculated with a combination of public information and information you've provided, and,
  • To identify conditions where a loss might occur: safety items such as a deck with no handrails, or susceptibility to loss, most commonly water.

The inspector will generally measure the home as sometimes property tax information is not accurate. They may also ask you questions regarding the age of the roof, furnace, electrical system, plumbing and confirm the construction type, such as true brick or masonry veneer. Along with the roof condition and shape, they will also take a look at the gutters and downspouts to see if they are all connected properly.

Estimating exposure saves you time and money as lower claim rates equal lower premiums for everyone.

Our Locations

Salt Lake Office

448 South 400 East
Salt Lake City, UT 84111
Main office: 801-364-3434
Toll free: 800-736-3436

Las Vegas Office

6765 West Russell Road, Suite 150
Las Vegas, NV 89118
Main office: 702-877-1760
Toll free: 877-806-5317

Our Providers


During Mid-States over 25-year business relationship with American Insurance, we have always found Dave Bradshaw and his staff to be willing to help us in any way. They respond immediately to any needs that we might have, and provide assistance that exceeds what you would normally expect from an insurance broker. It would not be a stretch to say that American Insurance is essential to our business operations. The staff at American Insurance is professional, knowledgeable, and completely trustworthy.
Steve Kidd, President - Mid State Consultants, Inc., Nephi, UT
American Insurance is awesome! I love working with them.
Abby Zenger is great to work with. She even comes to my office when I need her and I can call her for anything.