Curious if anyone’s insurance actually checked their attic after the inspection? Mine didn’t, but I keep hearing stories about surprise follow-ups.
In my experience, insurance companies rarely do a physical attic check unless there’s a claim or something flagged in the initial report. Most rely on the inspector’s documentation and photos. That said, I’ve seen a few cases where older insulation—especially vermiculite or anything that might contain asbestos—raises red flags. If you’re sitting on “mystery” insulation, it’s worth getting it tested. Leaving it untouched can save money short-term, but if it’s compromised or hazardous, you’re just kicking the can down the road.
Had to laugh reading this because when my inspector came, he barely poked his head in the attic—looked like he was checking for raccoons more than insulation. Insurance never followed up, either. I’ve heard those stories too, but honestly, unless you’ve got something wild going on up there (like insulation that looks like it’s from the moon landing era), they usually just trust the photos.
One time, though, I did see a neighbor get flagged because their attic had some ancient-looking stuff that turned out to be vermiculite. Suddenly everyone was in hazmat suits and the insurance company was all over it. If your insulation looks suspicious or you get a weird feeling every time you open the hatch, probably worth having someone check it out before insurance does.
Otherwise, seems like most companies just want proof your roof isn’t about to collapse. As long as you’re not hiding a possum colony or a disco ball up there, you’re probably fine.
