What are insurance companies looking for?

When conducting an electrical inspection for an insurance company, there are several key things to check in order to ensure the safety and reliability of the electrical system. These items include the electrical panel, outlets, switches, grounding, and bonding of non-electrical components.

One of the first things to check is the condition of the electrical panel. The panel is the central hub of the electrical system, and it controls the flow of electricity to all of the circuits in the home. It is important to check that the panel is in good condition, with no signs of damage or wear. The panel should also be properly labeled, with all circuit breakers and fuses clearly marked.

Another important thing to check is the condition of the outlets and switches. These devices are the points where electricity enters and exits the home, and they are critical for the safe and reliable operation of the electrical system. It is important to check that all outlets and switches are in good working order, and that they are properly grounded and protected by GFCIs (ground fault circuit interrupters).

In addition to the panel and outlets, it is also important to check the grounding and bonding of non-electrical components. Grounding and bonding ensure that electricity flows safely through the electrical system, and that it is properly dissipated to the ground in the event of a short circuit or other electrical hazard. It is important to check that all non-electrical components, such as gas pipes and water pipes, are properly grounded and bonded, in order to prevent electrical shocks and fires.

Another key factor to consider when conducting an electrical inspection is the age of the electrical system. Older systems are more likely to have outdated components, such as knob and tube wiring, which can be a safety hazard. It is important to determine the age of the electrical system, and to assess whether any upgrades or replacements are necessary to ensure the safety and reliability of the home's electrical system.

Overall, conducting an electrical inspection for an insurance company involves a thorough examination of the electrical panel, outlets, switches, grounding, and bonding of non-electrical components. By checking these items carefully, you can help to ensure the safety and reliability of the electrical system, and provide valuable information to the home owner and the insurance company.