Owning a rental property means you are not just a landlord – you are a long-term investor, a problem-preventer, and, let’s face it, sometimes a part-time handyman. Whether your tenants call with issues or not, that doesn’t always mean everything is running smoothly. The truth is: many costly repairs start as small, invisible problems on the outside of the property.

That’s why doing a DIY exterior inspection once a year (at the very least) is a smart habit. A thorough walk-around can catch early signs of wear, prevent accidents, and even help you avoid insurance claim denials by documenting that you’ve kept your property well-maintained.

Why Do a DIY Rental Property Inspection?

Besides saving money and headaches, here’s what a simple annual check can do:

• Prevent expensive repairs – Catching things early (like a small crack in the foundation or sagging gutter) often costs hundreds to fix now vs. thousands later.
• Maintain insurance eligibility – Usually, insurers require the property to be in “good repair.” Let damage sit for too long, and you could face denied claims or even non-renewal.
• Reduce liability risk – Loose railings, uneven walkways, or overgrown tree branches are common causes of injury-related lawsuits.
• Keep your tenants happy – A cared-for property = longer tenancies, fewer complaints, and less turnover.
• Create a paper trail – Keeping notes or photos from your DIY inspections can protect you if a dispute arises or you need to prove maintenance efforts.

Want a more holistic approach to rental upkeep? Check out our Preventative Maintenance Tips for Rental Properties to go beyond inspections and build a year-round care routine.

Also, learn the top 5 most expensive insurance claims for investment properties are and how to avoid them here.

So grab your coffee (and maybe your camera), and let’s walk through your rental property like a pro:

Inspect the Grounds

Walk around the full perimeter – front, back, and sides.

• Drainage check: Water should slope away from the house. Puddles or soggy spots near the foundation could indicate poor grading or clogged gutters.
• Standing water: Could mean plumbing leaks, blocked drains, or poor soil drainage.
• Septic system (if applicable): No signs of leakage or soggy areas over the tank/field.
• Trees and branches: Nothing should be touching the roof – these can cause damage and serve as highways for pests.
• Yard and walkways: Look for tripping hazards, cracked paths, and clear, maintained landscaping.
• Structures (fences, decks, sheds, retaining walls): Everything should be upright, sturdy, and safe.
• Railings: All stairways and elevated areas should have railings that don’t wiggle.
• Driveways and patios: Cracks and dips can worsen fast and pose risks.
• Downspouts: Confirm they’re directing water away from the structure, not dumping it at the foundation.

Structures

Now, take a good look at the exterior of the home or building.

• Foundation: Is it straight? Cracks or shifting can indicate settling – or worse.
• Walls and siding: No bulging, cracking, or signs of damage.
• Window and door frames: They should be square and tightly fitted. Warped frames can signal moisture problems or shifting foundations.
• Siding: Check for warping, cracking, or stains (especially near gutters or vents).
• Paint or finishes: Peeling paint isn’t just cosmetic – it may expose wood to rot.
• Garage door: Test to make sure it operates properly and seals completely.

Doors, Windows & Trim

• Wood trim: Check for rot, pest damage, and loose boards – especially near rooflines and near the ground.
• Caulking: Look at seams around doors and windows. Is the caulk intact or cracking?
• Glass and screens: No cracks or holes. Damaged screens invite pests.

Roof (From the Ground!)

Leave the ladder to the pros. You can do a basic inspection with binoculars or your phone zoom camera.

• Shingles: Look for curling, cracking, or discoloration.
• Layers: There shouldn’t be more than two roofing layers.

Wood shakes/shingles: Check for signs of rot, mold, or splintering.

Concerned about moisture or mold issues? The EPA’s Mold and Moisture Guide is a solid starting point to understanding risks and how to address them.

• Flashing: Visible metal at chimneys, skylights, and vents? Good. Missing or rusted? Not good.
• Gutters: Shouldn’t sag or overflow. Rust or peeling paint could mean they are leaking.
• Chimney: No leaning or crumbling bricks. Flashing should be snug and rust-free.
• Exterior vents: Should be clear and unobstructed. Bonus – if they are screened to keep critters out.

Safety First: Know When to Call a Pro

If something looks unsafe – like a wobbly deck, visibly damaged roof, or signs of foundation shifting – don’t try to fix or even inspect it up close yourself. Hire a licensed contractor or inspector who knows what to look for and how to stay safe doing it.

Also, if you make repairs or upgrades during or after your inspection, let your insurance agent or broker know. Updating your Landlord policy can make sure you are covered properly – and may even score you some discounts if you’ve replaced older systems or improved safety.

Final Thoughts

Doing your own rental property inspection might take an hour or two, but it’s time well spent. Think of it as preventative medicine for your investment. You’ll avoid surprise expenses, protect your tenants, and keep your insurance company happy – which, in this case, is a very good thing.