Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 15, 2020

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Most insurance companies have sufficient data accumulated to avoid the need for an inspection. Unusual situations (such as historic sites), however, may require a visual, on-site inspection before coverage will be provided (“bound”) by the insurance company.

With respect to personal property or other special riders, the insurance company may require either an inspection or copies of certified appraisals before coverage will be provided. A diamond, for example, will not be covered for $10,000 unless there is an appraisal done for that amount.