Home Inspections by a Licensed General Contractor for your Insurance Carrier
Onyx General Construction provides insurance-required home inspections performed by a California licensed general contractor, with written reports used for underwriting, policy renewals, and compliance across Los Angeles.
In many Los Angeles neighborhoods, insurance carriers now require homes to be inspected by a licensed general contractor as part of policy issuance or renewal. These inspections focus on core building systems that directly affect risk exposure—roofing, electrical, plumbing, HVAC, and overall structural condition. Unlike general home inspections, contractor inspections evaluate whether systems meet current building and safety standards.
Learn MoreThis service is designed for homeowners who have received an insurance request for inspection, as well as insurance brokers and real estate agents coordinating compliance on behalf of their clients. Our inspections are performed and signed by a licensed general contractor, providing underwriters with the professional verification they require to evaluate property risk.
Each inspection evaluates the primary building systems insurers commonly request. This includes roofing condition, electrical service and distribution, plumbing supply and drainage, gas lines, HVAC equipment, attic and crawl space conditions, and visible structural components. The inspection is performed from the interior and exterior of the home and focuses on code compliance and observable deficiencies.
These components directly influence insurance risk. Our inspection report documents observed conditions clearly and professionally to support underwriting decisions.
Following the inspection, we provide a written report prepared and signed by the licensed general contractor. The report summarizes inspected systems, documents compliance with local building and safety standards, and notes whether any required repairs were identified. This document is commonly submitted directly to insurance carriers or through brokers for review.
If the inspection identifies conditions requiring correction, we issue a clear repair order outlining the specific scope. This allows homeowners and insurers to understand what is required to bring the property into compliance. Repairs are not automatically required—only documented if deficiencies are observed during inspection.
All inspections are performed under the authority of a California licensed general contractor. This distinction is important for insurers, as contractor inspections evaluate systems through the lens of construction standards and code compliance rather than general observations. Our license information and signature are included on every report.
We understand that insurance requests often carry deadlines. Inspections are scheduled promptly, and reports are issued quickly to support policy binding or renewal timelines. Clear documentation reduces follow-up requests and delays from underwriting departments.
The inspection documentation is intended to support insurance review and coordination between homeowners, brokers, and carriers. Reports focus on observed conditions of core building systems and are prepared without speculative language or unnecessary commentary.
Our goal is to remove uncertainty from the insurance inspection process. Homeowners gain clarity, brokers gain reliable documentation, and insurers receive accurate information to assess property risk. The process is designed to be transparent, efficient, and professional from start to finish.
If an insurance carrier has requested a home inspection by a licensed general contractor, we can help. Contact Onyx General Construction to schedule an inspection and receive a written report suitable for insurance review.