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Houston Texas VIP Insurance Inspections

According to the Texas Department of Insurance 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).  Brian Greul is licensed by the Texas Department of Insurance and available to perform your Texas VIP Insurance Inspection for you.  You can also obtain a list of inspectors on TDI’s website or by calling the TDI Consumer Help Line at  1-800-252-3439.  

Inspections fees are limited by the Texas Department of Insurance for the 2020 calendar year.
Fees are as follows:
Initial Inspection: $126.65 + Mileage
Follow-Up Inspection: $63.31 + Mileage

Mileage for each trip to and from the home is at the IRS rate which is currently 57.5¢ per mile and is calculated using the most direct route.  A follow-up inspection is to verify the correction of issues identified in the initial inspection.

A certificate of insurability creates a presumption your home is insurable.  If you have a certificate, an insurance company cannot refuse to sell or renew a policy because of your home’s condition unless the insurer re-inspects it and describes the deficiencies in writing.

Once you have a certificate of insurability, it is good for three years, as long as you do not 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.

To receive a certificate of insurability, a home must meet a list of reasonable standards issued by the TDI.  These include, but are not limited to:

  • Good maintenance, with no unrepaired damage and no accumulation of trash, brush, or debris in the yard
  • Wiring in good working condition, with no flickering lights or evidence of overheating
  • No curled, cracked, or significantly deteriorated roof coverings, or missing shingles
  • Plumbing, heating, and cooling systems in good condition and free from leaks
  • Space heaters and hot water heaters properly vented and not too close to walls and furniture
  • No unfenced swimming pools, hot tubs, fish ponds, bodies of water, or trampolines
  • Property accessible to fire-fighting equipment
  • No signs of active termites or unrepaired insect damage
 
For a full list of what is required please review the VIP-2 Form on the left.

Many homes can easily meet the standards for a certificate of insurability.

For more information contact: ConsumerProtection@tdi.state.tx.us or visit http://www.tdi.texas.gov/commercial/invipplan.html

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