I had an outside inspection done by a third party hired from the local Special Opportunity center. They sent me a letter with that said they wanted me to paint a piece of trim to keep it from rotting (after an act of Congress I got a copy of the photos from my agent and what the picture showed was pressure-treated lumber), and cut some trees back from the roof (not gonna happen, need them for shade, and NOBODY else around here with big oaks shading their house is doing it either), some other things I can't recall, and to fix it and send a copy of the repairman's bill and pictures before the renewal date. I called my agent with a WTH and she assured me it was only "recommendations", not an ultimatum for renewal. Good. Funny thing is the second story balcony is rotting and threatening to fall on someone calling in/out of the front door, the underpinning is off on one whole side, the grass against the house was two feet tall, there's no corner trim on three outside corners, and no window trim on about 1/4 of the windows. Not worried about that stuff (rot, grass fire, water intrusion, rodent intrusion, and the obvious Chicken Little scenario out front). I don't know who trains these people or comes up with their list of things to "inspect", but my experience was they can be dumb.