What is a Home Inspection?
A Home Inspection is an objective visual examination of the physical structure and systems of a house, from the roof to the foundation.
What does a Home Inspection include?
The standard Home Inspector’s report will cover the condition of the home’s heating system; central air conditioning system (temperature permitting); interior plumbing and electrical systems; the roof, attic and visible insulation; walls, ceilings, floors, windows and doors; the foundation, basement and structural components.
Why do I need a Home Inspection?
Buying a home could be the largest single investment you will ever make. To minimize unpleasant surprises and unexpected difficulties, you’ll want to learn as much as you can about the newly constructed or existing house before you buy it. A Home Inspection may identify the need for major repairs or builder oversights, as well as the need for maintenance to keep it in good shape. After the inspection, you will know more about the house, which will allow you to make decisions with confidence.
If you already are a homeowner, a home inspection can identify problems in the making and suggest preventive measures that might help you avoid costly future repairs.
If you are planning to sell your home, a Home Inspection can give you the opportunity to make repairs that will put the house in better selling condition.
How much does a Home Inspection cost?
The inspection fee may vary depending on a number of factors such as the size of the house, number of floors and the age of the house.
Do not let cost be a factor in deciding whether or not to have a Home Inspection, or in the selection of your home inspector. The sense of security and knowledge gained from an inspection is well worth the cost, and the lowest-priced inspection is not necessarily a bargain. Use the inspector’s qualifications, including experience, training, compliance with your state’s regulations, if any, and professional affiliations as a guide.
Why can't I do the Home Inspection myself?
Even the most experienced homeowner lacks the knowledge and expertise of a professional Home Inspector. An inspector is familiar with the elements of home construction, proper installation, maintenance and home safety. He or she knows how the home’s systems and components are intended to function together, as well as why they fail.
Above all, most buyers find it difficult to remain completely objective and unemotional about the house they really want, and this may have an affect on their judgment. For accurate information, it is best to obtain an impartial, third-party opinion by a professional in the field of home inspection.
Can a house fail a Home Inspection?
No. A professional Home Inspection is an examination of the current condition of a house. It is not an appraisal, which determines market value. It is not a municipal inspection, which verifies local code compliance. A home inspector, therefore, will not pass or fail a house, but rather describe its physical condition and indicate what components and systems may need major repair or replacement.
Do I have to be present during the Home Inspection?
While it’s not required that you be present for the inspection, it is highly recommended. You will be able to observe the inspector and ask questions as you learn about the condition of the home and how to maintain it.
What if the Home Inspection report reveals problems?
No house is perfect. If the inspector identifies problems, it doesn’t mean you should or shouldn’t buy the house, only that you will know in advance what to expect. If your budget is tight, or if you don’t want to become involved in future repair work, this information will be important to you. If major problems are found, a seller may agree to make repairs.
If the house proves to be in good condition, did I really need a Home Inspection?
Definitely. Now you can complete your home purchase with confidence. You’ll have learned many things about your new home from the inspector’s written report, and will have that information for future reference.
What is Wind Mitigation?
Wind Mitigation is the use of standardized building methods meant to minimize damage caused by high winds. This inexpensive inspection can provide you instant savings on your homeowner’s insurance policy.
What are the incentives for Wind Mitigation?
- Discounts on your insurance premium, depending on location.
- Ensures a home can survive wind based damage.
Why is a Four Point Inspection needed?
The Four Point Inspection is often a required inspection in order to obtain (or maintain) insurance coverage. The inspection requirements were designed by insurance companies in order to get a better understanding of the structure they are insuring.
What does a Four Point Inspection consist of?
A visual inspection of the following:
- HVAC System (Heating, Ventilation, and Air Conditioning)
- Roof System
- Plumbing System
- Electrical System
What happens if the Four Point Inspection discovers a deficiency?
Many conditions that are reported on a Four Point Inspection may be a problem for some insurance carriers, but may NOT be a problem for YOUR insurance carrier.
This is where the expertise of your insurance agent is so important. It’s your trusted insurance agent that can help confirm and clarify whether or not a system needs to be repaired, updated, or replaced, or if after reviewing a reputable Four Point Inspection, perhaps you should be placed with a different insurance company with underwriting guidelines that better fit your situation.
If the Four Point Inspection deficiency is fixed, do I have to schedule another inspection?
Not if the deficiency has been fixed by a licensed contractor. Once we receive documentation with the required repairs, and with the company's letterhead, we will revise the Four Point Inspection report.
Contact us to schedule a Home Inspection, Wind Mitigation and/or Four Point Inspection.