Insurability Inspections/Voluntary Inspection Program (VIP) Inspections

Consumers occasionally have trouble finding affordable property insurance because
some insurers fear their homes will generate too many claims. Insurance companies may
label these homes "uninsurable."
In many cases, these homes are in older rural or inner-city neighborhoods.

Texas´ Voluntary Inspection Program (VIP) offers owners of well-maintained homes a way
to show insurers that they deserve coverage.

Under the VIP, a home receives a "certificate of insurability" if it passes an inspection by a
credentialed inspector, qualified by the Texas Department of Insurance (TDI).

A certificate of insurability creates a presumption your home is insurable. If you have a
certificate, an insurance company can´t refuse to sell or renew a policy because of your
home's condition unless the insurer reinspects it and describes the deficiencies in writing.

Once you have a certificate of insurability, it´s good for three years so long as you don´t
make substantial changes to your property. If that happens, an insurer can require an
additional inspection. An insurance company may also require a written statement from
you that there have been no significant changes to the property since it was inspected.

Many homes can easily meet the standards for a certificate of insurability.
Services: VIP Inspections
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