Insurance Inspection & Underwriting Repairs

Received an Insurance Repair Notice?

Insurance companies may inspect a property or identify conditions that need attention as part of their underwriting process. These notices can include one item or several unrelated repairs around the home.

XCL can review the notice or inspection report, evaluate the listed items and put together a scope for the applicable work.

Common insurance inspection and underwriting repairs may include:

• Roof repairs
• Missing or damaged shingles
• Tree limbs overhanging or contacting the home
• Tree and branch trimming
• Siding and exterior repairs
• Fascia and soffit repairs
• Exterior painting
• Gutter repairs or replacement
• Steps and handrails
• Fence and gate repairs
• Plumbing-related repairs
• Electrical repairs
• HVAC-related repairs
• Water-damaged drywall and ceilings
• General property maintenance items

If your notice identifies something that is not listed here, send it to us and we can review it.

Send Us the Notice

The easiest place to start is with the document you received from your insurance company or agent.

Send XCL the notice, inspection report, photos or repair requirements. We can review what was identified and determine what needs to be evaluated at the property.

When several items are listed, XCL can coordinate the applicable trades and repairs as one project rather than requiring the homeowner to find a separate contractor for each item.

Complete the Repairs

Once the scope is established, XCL coordinates the work needed to correct the applicable property conditions.

A single notice may involve roofing, tree trimming, siding, paint, carpentry or other repairs. Because XCL works across multiple residential trades, we can address a broad range of items that may appear on an underwriting or property inspection.

Completion Photos & Documentation

After the work is completed, XCL can provide photos and documentation of the completed repairs.

This gives the homeowner a clear record of the work and information that can be provided back to the insurance agent or carrier when requested.

A Resource for Insurance Agents

XCL also works with insurance professionals who need a contractor resource for clients who receive property-condition or underwriting notices.

Agents can refer clients to XCL or send the repair requirements with the homeowner's permission. We can review the items, coordinate the applicable work and provide the client with documentation when the repairs are complete.

Frequently Asked Questions

What should I send XCL?

Send us the notice, inspection report, photos or other repair requirements you received from your insurance company or agent. We can review the information and determine the next step.

Can you handle more than one item on the notice?

Yes. Insurance inspection notices can include several different types of property repairs. XCL can review the full list and coordinate the applicable work.

Do you provide proof that the repairs were completed?

Yes. XCL can provide completion photos and documentation of the work performed.

Can my insurance agent send the notice directly to XCL?

Yes. With the homeowner's permission, an insurance agent can send us the repair notice or inspection requirements so we can review the items.

Do you handle tree trimming required by an insurance company?

Yes. XCL can coordinate trimming and removal of applicable limbs and branches around the home when identified as part of an insurance property requirement.