A few practical checks that help Monterey Peninsula homes show well on insurer inspections and reduce common claim-related surprises. Requirements vary by carrier—ask us before you schedule work.
01
Keep the roof clear and document its age
Clear leaves, needles, and debris from the roof and gutters before an inspection. Keep permit, invoice, or warranty records for roof work—carriers often focus on roof age and visible condition.
02
Know what’s in your electrical panel
Older panels and outdated wiring (such as certain recalled brands, fuse boxes, or knob-and-tube) are common underwriting flags. If you’ve upgraded the panel or wiring, have the permit or electrician invoice handy.
03
Watch for plumbing red flags
Visible leaks, outdated supply materials (for example polybutylene or aging galvanized lines), and water damage are frequent inspection notes. Fix active leaks promptly and keep repair photos and invoices.
04
Create a lean “Zone 0” around the house
Keep the first few feet around walls, decks, and stairs free of mulch, firewood, dry debris, and combustible clutter. CAL FIRE and IBHS home-hardening guidance emphasize ember control at the structure edge.
05
Protect vents and seal ember gaps
Attic, eave, and foundation vents that allow embers in are a frequent wildfire concern. Ember- and flame-resistant vents (or fine noncombustible mesh per CAL FIRE guidance) and enclosed eaves appear in FAIR Plan structure-hardening themes—confirm products and local code with a licensed contractor.
06
Confirm working smoke and CO alarms
California requires smoke alarms in bedrooms and outside sleeping areas on each level, and carbon monoxide alarms where fuel-burning appliances, fireplaces, or attached garages are present. Replace batteries on a schedule and note locations for the inspector.
07
Strap the water heater
California seismic bracing typically calls for proper strapping (often two straps for standard tanks). Garage gas units may also need elevation off the floor—local building rules apply.
08
Pools, trampolines, and liability features
Many carriers look for a permanent pool barrier with a self-latching or locked gate, and some exclude or limit trampoline, diving-board, or slide liability. Disclose these features up front so the policy matches the property.
09
Disclose pets accurately
Breed, bite history, and how dogs are secured can affect liability underwriting. Accurate application answers help avoid later coverage disputes after an incident.
10
Tell us if the home is vacant or unoccupied
“Vacant” and “unoccupied” are treated differently by many carriers and may need a different policy form. Seasonal homes, remodels, and homes between owners should be disclosed before binding or renewal.
Tips are educational; carrier and local rules vary. · M. Menke CA Lic. #4476998
