Inspection by a licensed contractor.
When your insurance carrier requires a home inspection by a licensed general contractor, Onyx provides the inspection, the report, and the documentation — so your policy moves forward without delays.
Why insurance companies require a contractor inspection
In many Los Angeles neighborhoods, carriers now require homes to be inspected by a licensed general contractor as part of policy issuance or renewal. The distinction from a general home inspection matters.
Construction standards, not just observations
A licensed general contractor evaluates building systems through the lens of construction standards and code compliance — not general observations. Insurers need to know whether your roof, electrical panel, plumbing, and HVAC meet current building and safety requirements. That determination requires someone with a contractor's license and field expertise, not just a checklist.
These inspections focus on core building systems that directly affect risk exposure. The written report we provide gives underwriters the professional verification they require to evaluate the property and move the policy forward. Across Los Angeles — from older homes in Hancock Park and Los Feliz to newer construction in Sherman Oaks and Culver City — the requirement is increasingly common.
Homeowners, brokers, and real estate agents
This service is designed for anyone navigating an insurance-required inspection — whether you received the request directly or are coordinating on behalf of a client.
Homeowners
If your carrier has requested an inspection as a condition of policy issuance, renewal, or continued coverage, we handle the inspection and deliver the written report your insurer needs. The process is straightforward and designed to meet your deadline.
Insurance brokers
We work directly with brokers coordinating inspections on behalf of clients. Our reports are prepared for insurance review — clear, professionally signed, and focused on the systems underwriters need documented.
Real estate agents
For transactions where an insurance-required inspection is part of the path to closing, we provide prompt scheduling and fast report turnaround so the process doesn't hold up the timeline.
What insurance underwriters look for
Each inspection covers the primary building systems carriers commonly request. The inspection is performed from the interior and exterior of the home and focuses on code compliance and observable deficiencies.
Roof condition
Age, material type, drainage, flashing, and any visible deterioration that may affect insurability or require correction.
Electrical system
Panel capacity, wiring type, safety devices, and compliance with current standards. Older panels and aluminum wiring are common flags in Los Angeles.
Plumbing systems
Supply lines, drainage, gas piping, and visible connections. Material type and condition are documented where observable.
HVAC equipment
Installation condition, serviceability, and whether equipment is properly permitted and functioning within expected parameters.
Additional systems reviewed
Beyond the four primary categories, the inspection also covers attic and crawl space conditions, visible structural components, water heater installation, and exterior conditions relevant to risk. The scope is comprehensive enough to satisfy most carrier requests without requiring a follow-up inspection.
The written report and what it contains
The inspection produces a formal written report prepared and signed by the licensed general contractor — the document your carrier actually needs.
Written for insurance review
The report summarizes all inspected systems, documents compliance with local building and safety standards, and notes whether any conditions require correction. It is prepared without speculative language or unnecessary commentary — exactly what underwriting departments need to make a coverage decision.
Our license information and signature are included on every report. This is what distinguishes a contractor inspection report from a general home inspection — the professional authority behind the document is what carriers and underwriters are relying on.
Reports are typically submitted directly to insurance carriers or through brokers. We can coordinate delivery in whatever format the carrier requires.
Repair orders when issues are identified
If the inspection identifies conditions requiring correction, we issue a clear repair order outlining the specific scope. This allows homeowners and insurers to understand exactly what is required to bring the property into compliance — with no ambiguity about what needs to be done or why.
Repairs are not automatically required. A repair order is only issued when deficiencies are actually observed during the inspection. Many properties pass without requiring any corrective action, and the report reflects that clearly.
Licensed authority and fast turnaround
The two things that determine whether an insurance inspection actually moves your policy forward: the right credentials behind the report, and delivery before your deadline.
California licensed general contractor oversight
All inspections are performed under the authority of a California licensed general contractor. This is what carriers and underwriters are specifically requesting — not a general home inspection, but an evaluation performed by someone with a contractor's license and the construction knowledge to assess code compliance and system condition accurately.
Our license information and signature appear on every report. That documentation is what gives the report its authority in the underwriting process.
Scheduling and turnaround
Insurance inspection requests often carry deadlines — policy renewals, binding timelines, and closing dates don't wait. We schedule inspections promptly and deliver reports quickly to support whatever timeline you're working against.
Clear, professionally prepared documentation also reduces the likelihood of follow-up requests from underwriting departments, which is where inspection delays most often occur.
Before you schedule
Questions most homeowners, brokers, and agents have before booking an insurance-required inspection.
Contractor inspections evaluate building systems through the lens of construction standards and code compliance — not just general observations. Carriers need professional verification that your roof, electrical, plumbing, and HVAC meet current requirements. That determination requires a contractor's license and field expertise.
Roofing condition, electrical service and distribution, plumbing supply and drainage, gas lines, HVAC equipment, attic and crawl space conditions, water heater installation, and visible structural components — from both the interior and exterior of the home.
Yes. Following the inspection, Onyx provides a written report prepared and signed by the licensed general contractor. The report summarizes inspected systems, documents compliance, and notes any required repairs. It is submitted directly to carriers or through brokers.
If deficiencies are observed, we issue a clear repair order outlining the specific scope required to bring the property into compliance. Repairs are only documented if deficiencies are actually identified — many inspections conclude without any corrective action required.
Inspections are scheduled promptly and reports are issued quickly to support policy binding or renewal timelines. Insurance requests often carry hard deadlines, and our process is designed to minimize delays for homeowners, brokers, and carriers.
Yes. We work directly with insurance brokers and real estate agents coordinating inspections on behalf of clients. We can align on scheduling, report delivery format, and any carrier-specific requirements to make the coordination as efficient as possible.
Request an inspection.
If your insurance carrier has requested a home inspection by a licensed general contractor, contact Onyx to schedule. We serve homeowners, brokers, and agents across Los Angeles — from Pacific Palisades to Pasadena, Venice to Encino.