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Ryan Boggs Real Estate Group
Home Value

Seller tools · New for 2026

Will a buyer be ableto insure your home?

Eight questions, two minutes. Find the roof, water, and systems issues that stall Tennessee sales in the middle of the inspection period, while you still control the fix.

  1. 01Is the roof more than 15 years old?
  2. 02Any missing shingles, visible hail or wind damage, or a storm since the last inspection?
  3. 03Any insurance claims on the home in the last five years (roof, water, wind, hail)?
  4. 04Is the electrical panel a Federal Pacific or Zinsco, or a fuse box?
  5. 05Any polybutylene (gray plastic) or galvanized steel supply plumbing?
  6. 06Any active leaks, ceiling stains, or moisture in the crawlspace or basement?
  7. 07Is the HVAC or water heater past its expected service life?
  8. 08Are there trees or large limbs overhanging the roof?

Your checklist

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to look at before listing · 0 of 8 answered

Answer each question to build your list.

Request the full pre-listing review

Send Ryan your checklist. He will walk the home with you, flag what a buyer's inspector and insurer will find, and help you decide what to fix and what to price in.

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Why insurability belongs in your prep

Insurance used to be a formality at closing. It is not anymore. Carriers are pricing more tightly on roof age and wind and hail exposure, and a buyer who learns in week two that the home is hard to insure has every reason to reopen the price.

The checklist covers the items that come up most often in underwriting and inspection reports. A flag is not a problem in itself; an undocumented flag is. A roofer's letter, an electrician's quote, or a repair invoice turns a surprise into a disclosed, priced item.

This review is step two of how Ryan sells homes, right after the private valuation. If your list comes back with a few items, the net proceeds calculator has a line for repairs and concessions so you can see the effect on your take-home.

Career sales volume
$150M+
Homes closed
260+
Years in Williamson Co.
11+
Repeat and referral
88%

Straight answers

Insurance and selling in Tennessee

Why does insurability matter when selling a home?

Most buyers need homeowners insurance to close on a mortgage. If a carrier declines the home or quotes a high premium because of the roof, claims history, or systems, the buyer can use it to renegotiate or walk away during the inspection period.

How old is too old for a roof when selling?

There is no single cutoff; each carrier sets its own rules by roof age, material, and condition. Older roofs draw more questions, so know the install date and have a roofer document the condition before you list.

Do past insurance claims affect a home sale?

Claims are reported against the property, and a buyer's carrier can see them. Documented, completed repairs usually answer the question. Missing paperwork is what causes delays.

Should I fix everything on the checklist before listing?

Not necessarily. Some items are worth fixing because they return more than they cost; others are better disclosed and priced in. Ryan's pre-listing review helps you sort one from the other.

Is this checklist a substitute for a home inspection?

No. It is a planning tool to spot common issues early. A licensed home inspector, roofer, electrician, or plumber should evaluate anything you flag.

Private valuation

Get the exact number from Ryan

Every tool here is a planning estimate. A private valuation, prepared personally by Ryan, turns it into your real number.

What's My Home Worth?

or call Ryan directly at (615) 579-7521