Will My Home Be Inspected After I Get a Quote?

The Texas Department of Insurance’s roof guide says your insurance company will inspect your roof when you apply, and that it may charge more or refuse to insure you based on what it sees. TDI’s underwriting guide adds that after a policy is issued, a Texas insurer has 60 days to do more underwriting research and could cancel or change the premium, with 10 days’ notice of cancellation.

What inspectors often look at

Area	Examples
Roof	Age, material, missing or curled shingles, patches
Exterior	Siding, gutters, foundation cracks, steps and railings
Hazards	Trampolines, unfenced pools, overhanging trees, debris
Measurements	Square footage and features used to estimate rebuilding cost
Interior (sometimes)	Electrical panel, water heater, plumbing, heating

Possible outcomes

• No change: the inspection matches the application.
• Premium adjustment: details such as size or construction differ from what was quoted.
• Repair request: for example, replace a damaged roof or add a railing by a deadline.
• Coverage change: such as roof settlement on actual cash value.
• Cancellation or nonrenewal: within the timeframes and reasons state law allows.

California’s guide notes that a California insurer has 60 days from a new policy’s effective date to verify rating and underwriting and must notify you of any error and resulting premium change within that time.

How to prepare

• Give accurate roof age, square footage and updates when you request the quote.
• Fix obvious hazards before the policy starts.
• Keep invoices and photos of recent work.
• TDI suggests hiring a roof inspector every few years to find problems early.

If you get a repair request

Ask for the request in writing with the deadline, complete the repair, and send proof. If you can’t meet the deadline, ask for an extension, and start comparing options early if cancellation is possible.

By phone

What happens when you call

A conversation lets the agent ask about your specific home instead of relying on a generic online estimate. There are no online forms to fill out.

1. 1

   Describe your home

   Share the address, size, age, construction, and roof or system updates. You do not need every detail to start.

2. 2

   Talk through coverage

   Explain what you want covered and ask about limits, deductibles, and exclusions that apply to your property.

3. 3

   Compare and decide

   Ask for the written quote terms and compare them before deciding. A call or a quote does not start coverage.

Sources and how this page was checked

Page updated October 23, 2026

This page is general information written from the public sources below. It has not been reviewed by an insurance company, attorney or licensed agent for your situation. Your policy form, endorsements, insurer and state rules decide what is covered.

Sources

• Texas Department of Insurance — Insurance and your roofRetrieved and reviewed October 25, 2026 for roof replacement cost vs. actual cash value, roof settlement changes at renewal, separate wind/hail deductibles, two-payment replacement-cost claims and pre-policy roof inspections.
• Texas Department of Insurance — Auto and home policy underwritingRetrieved and reviewed October 25, 2026 for underwriting factors, occupancy limits (vacant, unoccupied, seasonal, short-term rental) and the Texas 60-day post-issue underwriting window, which is labeled as Texas law.
• Texas Department of Insurance — Home insurance guideRetrieved and reviewed October 14, 2026. Texas consumer guidance; used for general policy concepts, with Texas-specific examples identified rather than generalized.
• California Department of Insurance — Residential Insurance: Homeowners and Renters (Form 401, rev. January 2026)Retrieved and reviewed October 25, 2026 for Coverage A–F descriptions, special limits on valuables, renters and condo coverage, dwelling limits based on rebuilding cost rather than market value, actual cash value, guaranteed and limited/extended replacement cost, building code upgrade (ordinance or law) coverage, inflation guard, FAIR Plan, surplus lines and binder/quote definitions. California rules (notice periods, broker fees, CA-specific laws) are not generalized nationally.

Before you rely on this page

• Read your declarations page, policy form and every endorsement; they control over any summary.
• Ask the insurer or agent to confirm limits, deductibles and exclusions in writing before you buy or cancel coverage.
• For state rules, deadlines or complaints, check your state insurance department directly.