Go To Search
Click to Home

Homeowner's Insurance Inspections
Insurance Premium Reduction Program
This service is free Everyone likes free. How about free plus an insurance premium reduction?

Years ago, the Texas Department of Insurance authorized a program that allowed homeowners to obtain a safety inspection of homes. They reasoned that homeowners, together with the contents of their homes, should become safer as a result of safety inspections, resulting in fewer claims. It was a ‘win-win’ situation for everyone, insurer and insured.

Premium Reductions

As an added incentive, they agreed to allow individual companies to offer premium reductions to homeowners. These reductions range from 5% to 15%. Inspections could only be done by law enforcement agencies and then only by individuals who had completed a rigorous course of study and passed a comprehensive exam. These individuals could then claim the distinction of a Certified Crime Prevention Specialist, generally abbreviated as C.C.P.S.

Little Elm Police Department is fortunate to have two officers with this designation. Several other officers are in the process of obtaining their certifications.

Basic Requirements to Pass
There are two primary areas that homeowners need to address in order for their home to pass inspection. The two areas are the most obvious, since they present the greatest ease of access by burglars; doors and windows. The requirements are listed below, directly from the Texas Department of Insurance Inspection Form.
  • Exterior doors are solid core doors that are 1 3/8 inches thick and secured by dead-bolt locks. Dead-bolt locks must lock with a minimum bolt throw of one inch that penetrates a metal strike plate. If the door secured by the dead-bolt lock has breakable glass within 40 inches of the lock, the lock must be key-operated from both sides unless prohibited by fire safety codes.
  • Metal doors are secured by dead-bolt locks as described above.
  • Double doors meet the specifications for exterior doors as listed above, have the inactive door secured by header and threshold bolts that penetrate metal strike plates, and in case of glass located within 40 inches of header and threshold bolts, have the bolts flush-mounted in the edge of the door.
  • Sliding glass doors are secured by secondary locking devices to prevent lifting and prying.
  • Dutch doors have concealed flush-bolt locking devices to interlock upper and lower halves and are secure by a dead-bolt lock as described above.
  • Garage doors are equipped with key-operated devices.
  • Windows are secured by auxiliary or secondary locking devices. An auxiliary locking device required by this section must include screws, wooden dowels, pinning devices, and key-operated locks. In areas in which fire safety codes permit, metal bars or grating, if mounted to prevent easy removal, may be substituted for auxiliary locking devices. Jalousie or louvered windows do not meet the specifications of this section unless they have metal grating mounted as provided above. This simply means that one of the approved methods listed above must be added to each window, in addition to the manufacturer's lock that came with the window.

Generally speaking, exterior doors on newly constructed homes are already in compliance. Some modifications may need to be made with regard to dead-bolt locks, but that is easily done.

Garage Door to House
One door that is often overlooked is the connecting door from the garage to the home interior. That door is essentially the same as any other exterior door and like any exterior door, it needs to have a deadbolt lock. Most homes do not have a deadbolt lock on this door and one needs to be added in order to pass the inspection.

Windows come with one locking mechanism from the factory. An auxiliary locking device is required to comply with the inspection requirements. There are a number of secondary window locking devices available at reputable hardware and similar stores and costs are not prohibitive. Pinning the windows with dowels, screws and similar items will also comply with the requirements.

Alarm Systems
An additional premium reduction is available when the following requirement is met, in addition to those previously listed.
Property is equipped with an electronic burglar alarm that meets the following requirements: all exterior structure openings are contacted; the system includes an interior and exterior siren; all equipment is U.L. approved and is monitored by a U.L. approved central station; and sales, service, installation, and monitoring of the system are done in compliance with the Private Investigations and Private Security Agencies Act (Article 4413 (29bb), Vernon’s Texas Civil Statutes.)

With regard to the alarm system, most newer systems installed by reputable dealers comply with the requirements. Most are monitored, most have sirens, and they are usually U.L. (Underwriters Laboratory) approved. The most common item that causes non-compliance is that not ALL exterior openings are contacted. This means all doors, windows, and other potential exits to the outside of the structure that would allow access to the interior.

Before, During & After the Inspection

While the requirement may seem overwhelming or difficult to comprehend, they are easily explained. A call to the Little Elm Police Department’s Community Services Division at (972) 377-1885 can usually answer any questions in advance. Once an initial call is made, we will review the basic requirements to insure your understanding and to allow you time to comply with any needed changes.

During the Inspection
An officer will then schedule a time convenient for you and come to your home. In addition to covering the required topics, the inspecting officer will cover a multitude of things that can help keep your home, and your family, safer. Items such as exterior lighting, shrubbery, trees, fences, care and appearance and many other items will be reviewed with you. All of these additional items are suggestions only. They do not have to be implemented to comply with the Insurance Inspection, however they will greatly enhance your safety if followed.

Upon completion of the inspection, the inspecting officer will advise you if the home passed or failed. If it failed, specific items will be covered in order to bring it into compliance. When the home passes, the officer will complete the inspection form. The completed form and a copy will be mailed to you, generally the following day. The original needs to be filed by you with your insurance carrier. The copy is for your records. LEPD maintains a copy on file also in the event it is needed. The entire inspection process lasts thirty minutes to an hour, depending on the size of your home and the number of questions you may have.


Of course, LEPD cannot guarantee that completion of this inspection, nor your subsequent compliance with the suggestions, will guarantee your safety or that of your home. These are simply tools to use to safeguard you and your home, and save you some insurance premium money in the process.

More Information
To answer any additional questions or to assist you in setting up a your home's insurance inspection, please contact our Crime Prevention Division via email at (972) 377-1885.