What to Expect When Buying An Older Home

What to Expect When Buying An Older Home

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Older homes and vintage dwellings fascinate many first-time homebuyers. Classic crown moldings, trim, and high-quality woodwork and craftsmanship are hard to find in newer construction. Older homes tend to offer residents a sturdier construction and aesthetically-pleasing facades that you’d be hard-pressed to find in a McMansion. But behind the charming exterior of an older home can hide a range of issues that can quickly have many homebuyers staring wistfully at the local rental listings. So, what issues can you expect when buying an older home?

1. NO INSULATION

Before the 1970s, energy was cheap. Most homes constructed before this era weren’t made with any insulation. Any insulating materials you do find behind the walls are typically balled up newspaper, or strips of cloth that won’t do much to keep your heat or cold air from escaping. When buying an older home, be prepared for higher energy bills, or set aside some room in the budget to have insulation installed.

2. OUTDATED WIRING AND ELECTRICAL ISSUES

Mid-century homes required very basic electrical systems. If you go back even further, many homes were not even constructed initially with any electrical wiring or outlets. In a lot of older homes, the wiring is a patchwork of outdated systems and materials. You may find old knob and tube wiring, ungrounded outlets, or wires insulated with cloth. AT the time, these materials were considered durable and long-lasting. But homes age like anything else, and what was once state-of-the-art electrical work fifty years ago is now a fire hazard. Buyers may need to consider having extensive electrical work completed so their older home can service modern-day appliances without catching fire.

3. OLD PIPES

Many older homes were constructed with cast iron drains and pipes. At the time of construction, these materials were considered indestructible. But again, things age and decay. And if your pipes or drains were not appropriately sloped, rust and other damage may be extensive. Buying an older home? Have a licensed plumber video-scope the lines to check for damage.

4. ASBESTOS IN OLDER HOMES

Asbestos was used as a fire retardant in the early and middle part of the last century. Unfortunately, asbestos is “friable” material. When the material breaks down, the microscopic asbestos fibers can become inhaled and lodged in the lungs and eventually cause cancer. When older homes were constructed, asbestos materials were used in a wide range of things, including ceiling and floor tiles, and pipe and wiring insulation.

Asbestos is not used in modern-day home construction because of its cancerous properties. It’s impossible to know by looking at a home if it was made with asbestos. Homeowners would be wise to have the materials tested by a lab. When asbestos is intact, it is not harmful. Asbestos siding, ceiling materials, or tiles that are in good condition can be left alone. But when homeowners want to tear out suspected asbestos materials for a remodeling job, this is risky.

5. LEAD PAINT

The older your home, the more likely it has lead-based paint. The federal government didn’t ban lead-based paint from housing until 1978, so if your home was built before then there’s a good chance it contains lead based paint. Peeling, or chipping lead-based paint is a hazard and needs immediate attention. If you think your home might contain lead paint, or just want peace of mind that it doesn’t, consider having a lead paint inspection.

Before buying any home, regardless of its age, it’s important to have a licensed and experienced home inspector go through the property and create a detailed inspection report. This gives potential homeowners a heads up on what types of issues an older home may have before they purchase the property.

 

Guest blog by Grant Waller of PacWest Home Inspections in Beaverton, Oregon

Do I Need a Mold Inspection?

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Home Inspection – Do I Need a Mold Inspection?

As home inspectors, we are inclined to suggest that mold inspections are important, at least if you suspect something isn’t right. Mold is often an undetected health risk that you may not want to take a chance with. Inside and Out Property Inspectors has seen perfectly beautiful homes come back with mold and mildew tests that would shock you.

In this article, we are going to first talk about the signs that there might be a mold or mildew problem in your home (or a home you want to purchase) then we will briefly explain what a mold inspection is.

Signs You May Have a Mold Issue

  • The Sniff Test – Mold doesn’t always have a “smell,” but some types of mold often do, especially the common ones, so if you have a persistent musty smell lingering in the home, you may need to learn where it is coming from to see if it poses a health risk.
  • The Visual Test – Mold can visually show up in all kinds of ways, from green and grey to brown and black colors. It can even take on the color of certain textiles like wallpaper or drywall. If you can see something resembling mold, you need to have it checked out.
  • Signs of Water Damage – The aftermath of water damage typically leaves a clue that a more significant problem might be brewing. Look for bubbling paint or paper, cracking or peeling paint or other similar issues. Even if the space seems dry now, it still might have something lurking behind it.
  • Signs of Water Leaks – Current leaks should be considered a hotspot for mold or mildew, especially if there are organic materials nearby like insulation, wood or drywall. You should have those checked out immediately by a mold specialist to ensure there isn’t a bigger problem.

A Mold Home Inspection

Here are the steps of a mold home inspection whether you have discovered mold, suspect it in your home, or just want to ensure you do not have a mold problem.

  • Inspectors will visually investigate all areas where mold commonly forms and any other hard to reach spaces that you may not have noticed. Photos might also be taken to learn more about the mold if it is present.
  • If mold is present, the inspector will carefully take a sample of it so as not to disturb the spores and emit them into the air. Spores can easily get into the ventilation system of your home and which can be carried all over the house.
  • The mold will then be sent out for analysis to see what it is precisely so a mold specialist can adequately clean it up. Some mold requires multiple visits and specific treatments to ensure the area is clear.
  • After we get your results, you can start the clean up depending on what kind of mold it is specifically. We can often recommend specialists or help you find one if needed.

If you are ready to schedule a mold inspection, please give us a call right away to get that on our books. You can also schedule this online in the event it is after business hours.

 

20 Things You Should Know About Your Home Inspection

20 Things You Should Know About Your Home Inspection

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Home inspections are a vital part of the home buying and selling process but do you know what home inspectors actually do or if a house can even fail a home inspection? Luckily, we’ve put together the top twenty most frequently asked questions about home inspections and asked the professionals to answer them. Here is everything you need to know about your home inspection.

1) What is a home inspection?

Without a comprehensive home inspection, you could end up paying thousands of dollars in repairs or possibly buy a house that is unsafe.

Here’s an overview of each element of a home that must be inspected.

Foundation: the inspector will take a look at the foundation to examine it for cracking and shifting, and to ensure that water is draining away properly from the foundation and basement

Lot: the lot will be examined for proper grading and drainage and the quality of walkways and the driveway will also be assessed.

Roof: the roof will be examined for faulty shingles, damaged flashing, signs of water damage, and overall integrity

Exterior: the exterior siding, windows, doors will be examined to assess their overall wear and condition

Attic: the attic will be inspected to ensure that it is properly ventilated and insulated

Interior: the interior of the home will be examined, including wall outlets, lighting fixtures, walls, doors, and all other such surfaces and areas

Basement: the basement is inspected to ensure that it is free from leaks and water damage. Issues like mold and water leaks are also quite common in basements

Electrical: your home inspector will make sure that all electrical outlets, switches, and lighting fixtures work

Plumbing: the functionality of the plumbing systems will be checked, including water pressure, hot and cold water, as well as functionality of all sinks, bathtubs, showers, and other systems

Appliances: major appliances will be tested and verified for proper functionality

HVAC: the furnace will be examined for integrity, and problems like cracks or wear and tear. Air ducts and air conditioning systems will also be examined and tested

Randy Lambert
Lambert Home Inspections – Bristow, VA

2) Why do I need a home inspection?

If you are planning to buy or sell a home, it is recommended that you hire a certified home inspector to conduct the inspection. This is one way to learn the condition of the home and potentially gain more negotiating power during the sale/purchase of the home.

When touring a home, pay attention to anything that seems strange as it might be a red flag. Take note of any visible damage as well, as it might not be a problem now but it could turn into an expensive fix later.

These issues don’t have to be a deal breaker. They can, however, help you get a lower price for the home if you’re the buyer. Most home buyers agree that it’s worth spending a few hundred dollars on a home inspection to save a few thousand down the road.

Kevin Anderson
Elk Valley Home Inspections – Kingston, TN

3) How much is a home inspection?

Based on more than 80,000 home inspections conducted during the last year, our data shows that the average home inspection costs $358.

Variables that will affect the cost include:

  • Location/region/travel time
  • Size of the home
  • Age of the home
  • How hot or cold the local real estate market is
  • How many inspectors are in the area and how busy they are
  • Additional services such as mold inspections or radon testing

The US Department of Housing and Urban Development (HUD) gives a typical price range of $300-$500, and cautions that “cost does not necessarily reflect quality.”

We recommend that you do your research. Take a look at the website and the reviews of the inspector that your agent recommended. Get a quote from them and a couple of others, and don’t shop on the cost or price alone.

Regardless, decent home inspectors are well worth the investment. Whether it gives you leverage to ask the seller to cover more fixes or sets your expectations for what to budget for, getting a home inspection is one of the smartest investments you can make in your new home.

Kevin Wagstaff
Spectora

4) Why can’t I do a home inspection myself?

When you’re purchasing a home there are many things to consider. From negotiating the price to understanding the resale value, the tasks can become overwhelming.

People often turn to their mechanics when purchasing a used car so why wouldn’t you turn to a home inspector when shelling out hundreds of thousands more for a house?

A professional home inspection can turn up issues that otherwise would have went unseen, such as the wrong gauge wire being used in the breaker box inlet, or an incorrectly hung cabinet that could become a hazard.

A home inspector’s job isn’t to spread doom and gloom, they’re your advocate. While we’re sure your realtor has done a great job showing you the house’s features and educating you on the school district, they typically aren’t able to teach you about the house structure or utilities.

Your home inspector will be able to shine a light on vital information that you likely wouldn’t have caught until after you had purchased the house.

Ron Fast
First-In Home Inspection – North Canton, OH

5) What does a home inspection include?

As a home is the largest purchase most folks will ever make, a home inspection is always recommended before buying a home. While some little quirks are nothing to worry about, there may be more serious issues that only a professional home inspector can assess.

Without a comprehensive home inspection, you could end up paying thousands of dollars in repairs or buying a house that is unsafe due to issues like water damage, foundation issues, or even asbestos or lead. A certified home inspection should cover the foundation, lot, roof, exterior, attic, interior, basement, electrical, plumbing, appliances, and the heating/cooling system. The primary purpose of these examinations is to identify structural and major system flaws, especially anything safety related.

Grant Waller
PacWest Home Inspections – Beaverton, OR

6) Can a house fail a home inspection?

Contrary to what many people believe, there is no grading or pass/fail system for a home inspection. The home inspector simply evaluates the condition and quality of the home objectively, and then informs both the buyer and seller of their findings.

However, if a glaring issue is found, the seller may be held responsible to fix it before the home can be legally sold. For instance, if asbestos or mold is found in the home or if there is a code violation or other serious safety issue, the seller would have to remedy the situation before they could sell their home.

Additionally, buyers may be allowed to invoke their home inspection contingency and walk away from the transaction if a major issue is found.

Curious what the most common culprits are in a home inspection? Here’s a quick list.

  • Roof and gutter issues (leaks, damaged/clogged gutters, etc.)
  • Faulty wiring/electrical problems
  • Poor grading or drainage around the home
  • Dampness or mold/mildew in basements
  • Cosmetic wear and tear (peeling wallpaper, dirty/damaged carpets, cracked driveways/walkways, etc)
  • Plumbing issues such as leaks, clogged drains, poor flow
  • Inadequate ventilation or insulation
  • HVAC problems

Whether you’re a buyer or a seller, most home inspection findings are not deal breakers and will simply require you to negotiate a proper rate for the home based on what the inspector finds.

Ben Hoffman
Hoffman Home Inspections – Wichita, Kansas

7) When do I call a home inspector?

It is recommended to get a home inspection before you make an offer on a home. At the very least you want to get the inspection completed before you close on a home. This means you still have a chance to pull out of buying the home if the inspection turns up massive problems that you are not willing or cannot afford to fix.

Having a home inspection done before making an offer is the best time to do it. However, even if you make an offer, be sure to have the home inspection done before the closing date or you will be responsible for any problems that may exist with the home.

Rick Vecchio
GCA Home Inspections – Brick, NJ

8) Do I have to be there when the home inspection is happening?

If you’re selling your home and having a pre-listing inspection, it’s a good idea to stick around for the inspection to give you some insight on what you should fix before listing your home. However, if the buyer hired the inspector, there’s no reason for you to be present.

If you’re buying a home, it’s not required that you’re present for the home inspection but it’s a good idea to be there anyway. Attending the home inspection on a property you’re considering buying gives you a great opportunity to get a better understanding of the condition of the home, and any potential issues that may be present. You may be thinking that you’ll just be able to see these in the report, which is true, however, walking through the home with the inspector will make these items easier to understand because they can explain it to you during the process.

Furthermore, being present for the home inspection gives you the opportunity to ask the inspector questions about the home. It’s a good idea to ask about the parts of a home that are most expensive to repair/replace, such as:

  • Roof: replacing a roof can cost thousands
  • Insulation: insulation has a huge effect on power bills
  • Electrical system: rewiring a home can be an expensive task
  • Plumbing: plumbing problems can be very costly to fix
  • HVAC System: these systems usually must be replaced every 10-15 years
  • Structure: if there is any kind of structural damage at all, you shouldn’t buy the home
  • Grading/Drainage: improper grading and drainage can cause foundation damage

Matthew Miller
Bless this Nest – Fort Lauderdale, FL

9) What if the home inspection report reveals problems?

If you find serious issues, you can back out of the sale due to a home inspection contingency clause or you can ask the seller to fix the issues before moving forward with the purchase of the home.

The seller is not required to make any repairs, except those which address structural defects, serious safety issues, or building code violations. Examples include:

  • Issues that violate federal or state code
  • Structural or mechanical problems
  • Defects that cause safety issues
  • Mold
  • High radon levels
  • Infestation

Cosmetic defects do not have to be repaired before the seller can sell their house, as they are not a hazard. You can ask them to make these repairs but they can refuse.

Typically the seller will offer you a repair credit and knock the price of the home down, based on the expected cost of the repairs. This is usually the best option when negotiating because some home repairs, like fixing a roof, can take weeks and become very inconvenient for both the buyer and the seller.

Drew White
AmPro Inspections – Colorado Springs, CO

10) How long does an inspection usually take?

While there are no set standards when it comes to the length of time it takes to inspect a home, the process usually takes about two to three hours. For larger homes or homes with additional features, this process will take longer, while for small homes and condos an inspection may only take an hour or two.

Here are some additional factors that impact the amount of time it takes to conduct a home inspection:

  • Size of the home
  • Age of the property
  • Total systems to be inspected (HVAC, electrical, water heaters, pools, multiple kitchens, etc.)
  • Accessibility to areas that need to be inspected
  • Weather conditions
  • State requirements
  • Time spent answering clients’ questions during the inspection
  • One or more inspectors on site
  • Additional services (radon test, mold test, water test, etc)

A home inspection isn’t something you want to rush through. This is an important step in the home buying process and affirms the value of your investment.

James Saunders
Certified Inspectors of North Carolina – Rock Fish, NC

11) What’s included in the home inspection report?

A home inspection report is a valuable tool that can give you an array of information on your new home, expose potential problems, and address hazards that aren’t easily seen by an untrained eye. So, what’s included?

The home inspector will visually inspect the roof for damage, including shingles, gutters, downspouts, skylights, chimneys, ridge caps and evaluate for any potential roof penetrations. You’ll also get an overall grade on the general condition of the roof.

To ensure your home is breathing well and is maintaining a good level of efficiency, the home inspector will evaluate the condition and operation of the insulation and ventilation in crawl spaces, attics, and foundation areas as well as any exhaust systems.

A full walk around the exterior of the property and an up-close inspection of the following:

  • Siding
  • Windows
  • Exterior doors and locks
  • Flashing and trim
  • Walkways
  • Driveways
  • Stairs
  • Patios
  • Decks
  • Drainage systems
  • Basement and foundation

The home inspector will go over the HVAC systems with a fine-toothed comb, checking for leaks, proper operation, thermostat locations, and evidence of proper maintenance.

Busted pipes and leaky valves can create thousands of dollars in repairs. Your home inspector will ensure the proper state of the home’s plumbing, which includes checking for leaks, venting systems, hot water heater operation, etc.

Lastly, home inspectors will spend a large portion of their time inspecting necessary but potentially dangerous parts of your home.

Steve Bennett
Redbud Property Inspections – Oklahoma City, OK

12) How do I know if a home inspector is qualified?

Here are some things to consider while searching for a qualified home inspector:

Credentials
Most home inspectors are licensed by the state in which they inspect. If an inspector is state-regulated, see if there are any reports of complaints against the inspector.
You should also check to see what other credentials the inspector has, such as:

  • The International Association Of Certified Home Inspectors (InterNACHI)
  • The American Association Of Home Inspectors (ASHI)
  • The National Academy of Building Inspection Engineers (NABIE)
  • The All American Association of Home Inspectors (AAAHI)
  • The North American Association of Home Inspectors (NAAHI)

Reviews
In some states, there are no requirements for home inspector licensing or certification. If you’re looking for a home inspector in one of those states, it’s a good idea to check their reviews. Yelp and Google are great resources, as opposed to the inspector’s website where they can remove negative reviews.

Find Out What They Inspect
Home inspections should be thorough, so you’ll need to find an inspector who will leave no stone unturned. If an inspector is able to inspect everything from the plumbing system and foundation, to the attic and electrical system, they will be your best bet. You should also ask for a sample report so you know what you’ll be getting.

Stephen Whittington
Whitt Inspections – Tampa, FL

13) Does the inspector need to be specialized in residential structures?

General home inspectors specialize in residential structures, whereas some obtain additional training and certifications to inspect commercial properties as well. While inspectors tend to specialize in one or the other, some do both.

You don’t necessarily need to hire a property inspector that specializes in residential inspections. Just because an inspector specializes in one particular area doesn’t mean they are better than their competition who might offer a variety of other services.

Do a quick online search to find a list of home inspectors in your area and then dig deeper to find one you trust based on their reviews and credentials.

Call a few inspectors to get more information before making your decision. Schedule a phone interview to ask any questions you may have, such as:

  • How much will my inspection cost?
  • When can you examine my home?
  • How long have you been working in the industry?
  • Do you have insurance coverage?
  • What happens if you miss something?
  • How long after the inspection will I get the inspection report?

Ask for a copy of their standard home inspection checklist or a sample inspection report. This will give you a better idea of what parts of the home will be inspected if you hire that inspector— and what’s not included. For example, some home inspections won’t include things like pools, chimney, irrigation systems, sewer scope, asbestos, lead, radon, mold, or termite inspections so you may need to hire other professionals or pay additional fees to have these systems checked.

John Reim
Bee Sure Home Inspection Services – Grayslake, IL

14) What is the difference between a home inspector and an appraiser?

When you’re getting ready to buy or sell a home, having a home inspection and appraisal is part of the process. Because it’s such a huge investment, your home needs to be evaluated. Some people think that appraisals and inspections are the same thing but they are, in fact, very different.

An appraisal is a concept of pricing a home based on specific factors, such as:

  • Location of the home
  • Proximity to desirable schools and other public facilities
  • Size of the lot
  • Size and condition of the home itself
  • Recent sales prices of comparable properties

The appraiser’s primary goal is to protect the lender against owning overpriced property. That’s why an appraisal is required before you can get a mortgage on your home. Appraisers do not conduct in-depth inspections of the home but they may take note of visible signs of neglect. This includes cracked walls, chipped paint, broken windows, damaged flooring, etc.

An inspection is a much more thorough overview of your home. Whereas an appraisal is required in order to get a mortgage, an inspection is not mandatory but it’s still a good idea to get one. A home inspector examines every aspect of the home, looking for issues that could negatively affect the buyer’s investment. While the appraiser is obligated to protect the lender, the home inspector is most often there to protect the buyer from making a poor purchase.

James Taylor
4 Corner Inspections – Batavia, OH

15) What is the process of a home inspector?

Home inspections are an important part of buying a home. Without a comprehensive home inspection, you could end up paying thousands of dollars in repairs or buying a house that is unsafe due to water damage or foundation issues.

During the inspection, buyers are encouraged to tag along with the inspector and ask questions about the home. Upon completion, the inspector usually gives the client a verbal overview of their findings. Most home inspectors provide a comprehensive inspection report in a web-based or PDF format within a day or two of the inspection. Home inspectors are usually happy to answer any questions you have about the report.

Josh Crepps
Crepps Home Inspection – Coxs Creek, KY

16) Do I need a home inspection for a new construction?

Your newly built home is likely to have all of the latest energy-saving features and comforts that you could ever want. But it’s always a good idea to get a home inspection, even on a newly constructed home.

There may be undisclosed issues or shoddy workmanship. Just because a home is brand-new doesn’t necessarily mean that it’s been built with the highest workmanship standards in mind. The plumbing could have serious issues, the roof may be installed incorrectly, there may be issues with the chimney, and so forth.

Just like a regular home inspection, you won’t know about these problems unless the home is inspected. Even a single careless contractor or a tiny mistake made when building the home can cause serious damage. It’s possible the home may only be up to minimum standards.

Building inspectors only have to sign off on the construction of a new home and make sure that it’s up to code. These inspectors don’t work for you, they work for the county. They are only there to determine if the house doesn’t violate any building codes. So if the house just barely meets standards, they’ll likely sign off on it.

For a truly deep look at your home’s systems, you need to hire a home inspector. If you don’t, you’re taking an unnecessary risk.

BJ Johnson
Inside and Out Property Inspectors – St. Augustine, FL

17) Can a home be inspected if it’s covered in snow?

Snow can pose a challenge for home inspectors, as a large amount of snow limits what can be inspected properly. Those areas include the AC unit, roof, and checking for proper drainage.

All other areas of the home can still be properly inspected during the winter, however, and it may even bring more issues to light that may have been missed were it to be inspected in the warmer months. Extreme weather conditions cause damage and stress to a home that is only visible to a trained professional. If that damage goes unnoticed it can quickly snowball into an emergency situation when the season changes.

Homes with pipes that have frozen and cracked underneath the house cause slow leaks and water intrusion. During the winter months, those failures aren’t always recognized due to freezing temperatures. Pipes and sprinkler systems that may not have been properly winterized could be an expensive surprise in the spring.

While you can’t have some systems accurately tested in the winter, you can account for it in your home purchase contract. As a buyer, you can request a seller “reserve for repairs of uninspected areas” that can be negotiated and agreed upon.

Josh Berry
New Day Home Inspections – Portland, OR

18) Do home inspectors inspect pools, fences, or other outside structures?

Typically, basic home inspections don’t include comprehensive overviews of areas like pools, fences, and outside structures. When buying a house with a pool or other unique feature, it’s vital that each part of the purchase receive the same attention. That means you need to call a professional who knows these features and their potential pitfalls. Your home inspector may be able to provide inspection services for these areas at an additional fee or refer you to someone who can.

According to ASHI‘s Standards of Practice, section 4.2, E, “the inspector is not required to inspect out-buildings other than garages and carports.” Some home inspectors offer outbuilding inspections as an add-on service and some include it in the home inspection even though it’s not required. That’s entirely up to the inspector and local regulations. If local regulations require an inspection of every building on the property, then the inspector needs to follow those rules and include in the home inspection.

Jerry Campbell
Cal-Spec Home Inspections – Coachella, CA

19) Do home inspectors tell me if I should buy the house?

While a home inspector cannot necessarily tell you whether or not to buy a house, they will give you an unbiased opinion of the current condition of the property and let you make your own decision. A home inspector will be honest and tell you if an expensive repair is needed but because everyone’s situation is different, that may not necessarily be a deal breaker for you. Some buyers might be looking for a good deal on a fixer-upper.

Some common home inspection deal breakers are:

  • Foundation issues: Issues with the home’s foundation are one of the costliest repairs, running tens of thousands of dollars – maybe even more for large homes with major problems
  • Outdated wiring: Old wiring can pose serious safety issues and fire hazards
  • Termite infestation: Although you can get rid of termites and then protect against them returning, you need to consider the structural damage they’ve already done to the home
  • Mold: Most molds aren’t toxic and can be easily removed with some special spray, however, other molds are very serious, potentially deadly health hazards

 Brian Hickory
Hickory Property Services – Steamboat Springs, CO

20) I’m selling my home, should I get a home inspection before putting it on the market?

A seller’s home inspection is less common than a buyer’s home inspection but home sellers are realizing more and more that there are benefits to having their homes inspected before they even list their homes to sell.

The biggest benefit of a seller’s home inspection is to know all the potential issues before they are brought up in the buyer’s inspection report. This allows the seller to make sure any repairs get done ahead of time and most likely at a better price than the buyer would ask for as a concession during negotiations.

Home sellers can also be more realistic in their asking price, depending on any problems you want to leave “as-is.” Sellers can also include the inspection report with the disclosure statement, reducing their liability for any new findings.

Getting a home inspection prior to selling a house can sometimes even find safety hazards before agents and visitors tour the home, as these hazards could turn into a very expensive liability. The last thing a seller wants is for someone to fall down a flight of steps and get injured due to the lack of a safety railing that they didn’t even know they needed.

David Bates
TruScope Home Inspections – Edmonton, AB

 

This article originally appeared on Redfin

What to do when the home inspection report reveals problems

What to do when the home inspection report reveals problems

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If your home inspector presents a report with major issues, you may be wondering what you should do in this situation. If you’re not in love with the house you might consider walking away from the deal. You can also ask the seller to fix the issues or lower the asking price of the home so you can take care of the repairs.

Here is a short list of major issues that are a cause for concern.

Legal Defects

Chances are, in order to secure your home loan the home will need to be ‘purchasable.’ Meaning, that it needs to be structurally sound and up to code according to state or federal laws. Your home inspection will find issues that fall into the category of “major repair.”

  • Building Code Violations – These are typically done on a state by state basis and speak to how the home was built. For example, the materials that were used to build the home, the electrical systems installed and even the plumbing systems.
  • Structural or Mechanical Defects – Defects found in the foundation or major load-bearing elements of a home. Mechanical defeats are those that relate to systems that are broken or flat out unfixable.

Health Risks

A home inspection may reveal some hidden dangers within the home. If the repairs are small, you may decide to just fix those items on your own. However, if your health or well-being is at stake, asking a homeowner to repair these items would be appropriate.

  • Safety Issues – These can be defined as things that may impact the well-being of you and your family. For example, fire, drowning, or falling hazards.  
  • Mold – If there appears to be a mold issue inside the home, you can always ask the seller to acquire the help of a mold remediation company to get a better handle on how extensive the problem is. Oftentimes these problems can be remedied easily, despite their notoriety for being super scary.
  • Poor Radon Test – If you receive a poor radon reading in your home inspection or from a radon inspector specialist,  this might be another appropriate repair to ask for. Radon mitigation can be expensive and a homeowner will likely anticipate you asking for that repair.

Expensive Repairs

  • Mechanical Failure – Large operating systems of your home, for instance, the furnace or the HVAC system, can rack up a hefty bill. Home warranties may cover some of these items, but you should speak to your realtor about those specifics so you don’t get handed a surprise.
  • Pests – A home inspection may reveal that you have a pest problem unbeknownst to the seller. small animals like birds and squirrels can do quite a bit of damage to a home. You should get a good estimate at what repairing the damage from pests would cost you, and present that to the seller.

If you are looking for a quality home inspection professional, please don’t hesitate to reach out to our team. You can also schedule an inspection online if you are ready to book.

What Are The Signs And Symptoms of Having Mold In Your House?

What Are The Signs And Symptoms of Having Mold In Your House?

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What Are The Signs And Symptoms Of Having Mold In Your House?

Whether you’re selling a home, preparing to buy one for the first time, or just performing regular maintenance, the issue of mold may worry you – particularly if your home is in a damp environment.

In most cases, a typical home inspection won’t include mold inspections and testing. You will need to hire a professional mold inspector to check your home for issues like black mold.

So, to help you understand whether or not you may need a home inspection for mold, we’ve put together this comprehensive guide that will help you understand the signs and symptoms of mold, know what next steps to take if you think you have mold issues, and provide you with other helpful information and tips that will help you deal with a potential mold problem.

What Is Mold?


Mold is, simply, a kind of simple microorganism. It is a fungus, which grows in filaments and usually has a “fuzzy” appearance. There are thousands of types of mold – and most of them are completely harmless to humans. Mold spores are common, and present in the air we breathe.

However, when mold spores find an ideal environment – a damp, dark place where they can reproduce and feed – they can take root, and become what we know as “mold.”

Mold feeds on organic matter, such as starch, cellulose and lignin – which is why they can become present on things like drywall and wood. The mold uses these materials as a food source.

In most cases, mold is not harmful unless it’s ingested. However, there are some types of mold – “black mold” being the most well-known – which may have harmful effects on humans and animals. We will discuss that in-depth later in this guide.

To sum up, a mold is a type of fungus which tends to grow in large colonies, in areas where moisture and a food source are present. They also tend to avoid light.

Why Does Mold Form In Homes?


Mold forms in homes because, in many cases, a home is the ideal place for mold to grow – particularly in basements and other areas which may be dark and moist, and have a similar temperature all-year-round, due to furnaces and water heaters.

Essentially, there are mold spores in the air at all times – and once they find a place that’s hospitable to them, they’ll start reproducing, causing a visible mold problem.

Common Types Of House Mold


Wondering what types of mold are the most common in houses – and which ones you should be concerned about? Let’s discuss a few of the most common types of household mold now.

  • Cladosporium – Cladosporium is one of the most common household molds. It usually grows in a greenish-brown colony, but can also be nearly black in color. It is rarely harmful unless you have a mold allergy, but may cause minor issues like toenail or fingernail infections.
  • Penicillium – Penicillium is sometimes called “green mold”, as it is usually dark green in color. It tends to grow in large, consistent “patches” on the walls. As the name suggests, penicillin is derived from some kinds of this mold. However, some kinds of penicillium mold may be toxic to humans and animals.
  • Aspergillus – This type of mold is usually greenish-white in color, and may be more “raised” with a more cloudy appearance than other types of mold. It is not harmful, unless you have a weakened immune system, in which case it could infect the lungs or sinuses.
  • Alternaria – Alternaria mold is usually greenish-white, but can also appear in black patches, so it’s sometimes confused with “black mold.” Alternaria can be a factor in exacerbating asthma, particularly for those who may have mold allergies.
  • Stachybotrys chartarum/Stachybotrys atra (Black Mold) – Black mold is one of the most dangerous types of mold. Typically, this is the only type of mold you should be seriously concerned about. It produces harmful mycotoxins that can compromise indoor air quality, and cause stachybotryotoxicosis, a serious infection caused by spore inhalation.It is a deep black in color, and usually appears in circular “patches”, which can range widely in diameter. It is common on gypsum drywall, particularly in water-damaged homes.

Tips For Mold Prevention


Wondering how you can prevent mold from affecting your home? Here are a few tips that may help you prevent mold from forming altogether.

  1. Keep things clean – Dirty surfaces can provide mold with the organic food materials they need to take hold, and start growing throughout your home. Be particularly careful in areas which may be damp, such as kitchens, bathrooms, and attics.
  1. Address dampness – Dampness may be an issue if you live in an area which receives a lot of rain, or your basement floods. Make sure to ventilate your home as much as possible in humid climates, and soak up any visible moisture as soon as possible.
  1. Keep the air dry – Air conditioners and dehumidifiers can help reduce the moisture content of the air. Keep your air at 40-50% relative humidity for the best comfort, and to prevent the growth of mold.
  1. Heat damp areas to dry them out – You may consider using space heaters or even a hair dryer to heat damp areas of your home where mold may form. This is a short-term fix, though. It’s best to address the source of the dampness, not the dampness itself.
  1. Keep the air circulating – Proper ventilation from attics, bathrooms, kitchens, laundry rooms, basements and any other place where moisture is common is essential. Make sure that your home is properly insulated and ventilated, so that air can circulate properly

How To Tell If You Have Mold In Your House


It can be hard to tell if you have mold in your house. Obviously, if you see mold somewhere, you’ve got a mold problem in your house, but mold can hide in walls, ventilation ducts, crawl spaces, and in other hard-to-see areas.

A common way to check for mold is to smell for it. A “musty” smell in an area of your home is often an indicator that there is some kind of mold present. Symptoms like a persistent runny nose, watery eyes, sneezing and throat irritation could also be indicative of mold.


In addition, anywhere that has been exposed to a significant amount of moisture – such as water damage from flooding – is a potential area where mold may be growing. Look for water where it shouldn’t be, and check areas which may have flooded in the past.

Using A Mold Exposure Test


A mold exposure test is often the best way for you to check for mold on your own. You can pick one up at any home improvement or home supply store.

Simply follow the instructions on the box. Usually, you’ll just brush the surface where you think mold may be present, and send the test strip or brush in for a laboratory analysis. If mold is present, you’ll be notified.

How To Detect Mold In Walls


If there is an area of your home where you think mold may be present in the walls – due to smell, a strange appearance of the wall, or any other factor – there are a few ways you can test this.

The simplest way is to probe the area with a screwdriver. If the area is soft or the screwdriver easily pierces the drywall, mold likely has “rotted” the surface away, and you’ll be able to see it once a hole has been opened up in the surface. Be careful when doing this – and do not do it near any wiring or electrical outlets.

You could also use a fiber optic camera to look around inside after opening a hole in the wall, but at this point, you may as well hire a professional inspector. A professional inspector has the tools required to examine the wall thoroughly, and ensure that it’s mold free – or detect any potential issues.

Can You Get Sick From Mold In Your House?


Yes. Those will allergies, compromised immune systems, asthma, or other such issues are at a higher risk – as even minor, non-toxic molds could cause a variety of uncomfortable symptoms. Mold in your house is rarely life-threatening. However, prolonged exposure is far from ideal – for a number of reasons.

Mold Poisoning Symptoms In Humans


Mold poisoning can cause a number of different symptoms, depending on the age of the affected individual, the strength of their immune system, and whether or not they have a pre-existing mold allergy. Here are a few of the most common signs and symptoms of mold poisoning in humans.

  • A stuffy or runny nose
  • Sinus issues or infections
  • Worsening or development of asthma
  • Wheezing or difficulty breathing
  • Red, itchy eyes
  • Skin itchiness, redness, or discomfort
  • Fever and shortness of breath (in severe cases only)
  • Rashes
  • Chronic fatigue
  • Persistent headaches or migraines

Most of these symptoms will only be present in homes with extremely significant levels of a harmful mold, such as black mold, or in individuals who have a compromised immune system, or other systemic health problems.

Can I Stay In My House With Black Mold?


We don’t recommend it. If you have found a small, isolated patch of black mold – and you are quite certain that there is no other mold in your house – you may be able to stay, and simply remove the mold yourself.

However, in most cases, one patch of black mold is just the “tip of the iceberg” so to speak. If black mold is present in your home, chances are that it has spread throughout many different parts of your home – and simply removing the visible mold may not be enough.

If you are young, healthy, have a strong immune system and no health difficulties, or do not have children or pets, you may consider staying in your house. Still, it’s better to be safe than sorry – so if a mold inspection reveals high levels of black mold, we do not recommend staying, until it has been treated.

How To Get Rid Of Mold In Your House


If you only have a minor, isolated mold problem, and the mold is not a dangerous type of black mold, you may be able to get rid of it yourself. By simply using a bleach/water solution, you can kill the mold on the surface of the wall or other area, and wipe it away.

If you have a small patch of mold, and you are relatively certain that there is no more mold in your home, this may be a viable option for you. However, mold removal can be quite difficult.

In addition, removing mold alone does not mean you’ll be free of the issue in the future. You’ll need to address the cause of the mold – such as water damage, excessive condensation, poor ventilation, and so on.

The best way to make sure you get rid of mold in your house is to hire a professional mold inspector. They will conduct a thorough examination of your home, and assess the molds that are present. Then, they will be able to recommend a mold remediation specialist who can help you get rid of the mold – and its root cause – in your home.

Know How To Recognize Mold In Your Home!


With this guide, you should be able to recognize common types of mold in your home, the severity of your mold infestation, and be able to take the proper next steps to get help.

If you have noticed a mold problem – or believe that there is mold hidden somewhere in your home – we recommend that you contact Inside & Out Property Inspectors right away and request an inspection. We can help you identify and isolate your mold issue, and get the mold remediation services you need to restore your home.

Should I Buy a House With a Damaged Roof?

Should I Buy a House With a Damaged Roof?

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Should I Buy A House With A Damaged Roof?

Most home buyers are likely to run for the hills as soon as they find out that a home that they’re interested in buying has a damaged roof. However, buying a house with a damaged roof is not always a bad idea, as long as you do your homework and understand the required repairs. Wondering if you should buy a house with a damaged roof? Here are some things to consider.

Understand The Extent Of Damage

A home with minor shingle damage due to a recent hurricane or windstorm is one thing – a home that has had a leaky roof for multiple years due to improper maintenance is another thing altogether.

You need to make sure that you understand the extent of the damage. A few faulty shingles are usually a pretty simple repair, and won’t cost you too much. But if there is extensive water damage that continues throughout the rest of the home, you’re likely going to be on the hook for a big repair bill. We recommend consulting with an experienced home inspector to determine the overall condition of the roof and the underlying structures.

Consider The Age Of The Roof

An asphalt roof with minor damage that’s 15 or 20 years old is, in most cases, near the end of its lifespan anyway. That means that it may not be a bad idea to buy the home anyway, and simply replace the entire roof. Again, though, we recommend consulting with an expert before you decide to do this.

Get An Informed Quote For Repairs

Beyond simply getting a home inspection, you should also get in touch with some roofing contractors, to get an informed quote based on the damage found by your inspector. They should be able to give you a reasonable quote over the phone, based on the findings of your home inspector. This will help you understand if investing in this home is actually worth it.

Work With Your Lender And Insurer, And The Buyer

Some loans, like FHA loans, will require the house to be in “livable” and “insurable” condition. And, in that same vein, many insurance companies won’t insure a home with serious roof damage. This means that you may need to work with the buyer to negotiate repairs before you buy the home, or you may simply have to walk away, and buy a home with an intact roof.

Is Buying A Home With A Damaged Roof A Good Idea?

Without examining the home in question, it’s impossible to answer this question. In some cases, a damaged roof is not a major problem, and will allow you to negotiate a great rate on the purchase of a piece of property. But in others, it can cause extensive damage that could cost thousands of dollars to repair.

What’s the best way to get an answer to this question? Hire Inside & Out Property Inspectors! We can examine the roof and other structures of a home that you’re interested in buying, and help you determine if it’s a good investment. Contact us now for more information, or schedule your appointment today.

What Are The Symptoms of “Chinese Drywall”?

What Are The Symptoms of “Chinese Drywall”?

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“Chinese Drywall” is a type of drywall imported into the United States from Chinese suppliers between 2004-2007, during the housing boom. This type of drywall has very high levels of sulfur, which can cause a variety of issues. It may have been used in the construction of more than 100,000 homes, with cases occurring in southern states like Florida, Louisiana, Mississippi, and Alabama comprising 86% of all reports.

It can cause issues like asthma, corrosion of home components, and more. Read on, and learn if you may have “Chinese Drywall” in your own home.

What Should I Look For?

There are two primary things you should be looking for, if your drywall was installed between 2001 and 2009.

  1. Blackening of copper components in home – Copper electrical wiring and air conditioning evaporator coils can be affected by high hydrogen sulfide, caused by drywall off-gassing.
  2. Corroborating evidence – If you notice blackening in major copper components, you should look for other corroborating evidence, including Chinese text on the drywall. Lab testing may also be done to test for elemental sulfur, or for copper sulfide deposits on copper components of your home.

Other symptoms of Chinese Drywall include a pervasive “rotten egg” smell caused by sulfur, and potential respiratory problems like asthma, coughing, and difficulty breathing, as well as sinus problems and chronic headaches.

What Precautions Do I Need To Take?

If you think that you may have Chinese Drywall in your house, you may want to take precautions such as using portable air filters, and checking your plumbing and electrical systems for corrosion, to make sure that they have not been damaged by sulfur, and do not represent a danger to you and your family.

Beyond this, dust masks and filtration masks can be worn to help mitigate the effects of sulfur on the respiratory system. We recommend that you leave your home as soon as you can, to prepare for repairs.

What Should I Do If I Think My Home Has “Chinese Drywall?”

We recommend contacting an expert in the field of Chinese Drywall, so that you can have a comprehensive laboratory inspection conducted – and you can choose the proper path forward for restoring your home and removing the problem drywall.

If your home does have Chinese drywall, it’s usually recommended that you replace all of the affected drywall. You may also need to replace corroded copper fixtures, including pipes and wiring, in some cases.

Contact Us For An Inspection Today

If you believe that your home may be affected by Chinese drywall, we recommend that you get in touch with Inside & Out Property Inspectors right away. We’re experts at diagnosing Chinese Drywall in Florida, and we’re always here to help. You can schedule an appointment now, or visit our website to learn more about our services.

What is a Sewer Scope Inspection?

What Is A Sewer Scope Inspection?

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What Is A Sewer Scope Inspection?

If you’re thinking about buying a home, you have a lot to think about – from putting in offers, to hiring home inspectors, negotiating the sale of your old home – we get it. There’s a lot on your plate.

But that doesn’t mean you should overlook one of the most commonly-ignored – yet most important – parts of inspecting a home that you’re interested in purchasing. A sewer scope inspection.

Sewer scope inspections are typically not included in a standard home inspection, but are just as important. Why? Let’s discuss the basics about sewer scope inspections and why they’re important now.

The Sewer Scope Inspection Process


Having a sewer scope inspection performed usually only takes a few minutes – and the inspection is just what it sounds like. A trained, professional inspector will run a specialized, flexible borescope camera, which feeds images and video to a monitor. Then, this camera is run through your home’s drainpipe, to examine the sewer lines and other underground pipes for any flaws, imperfections, or serious problems.

The entire process usually takes no more than an hour, altogether. After this, your inspector will tell you about their findings, and issue a report that’s given both to you and the home seller, with information about the condition of the sewer line.

Sewer Scope Inspection Cost


The cost of a sewer scope inspection will vary based on the area in which it’s performed, the specifics of the house, the inspector you use, and a number of other variables. However, it’s quite affordable, in most cases. The cost will tend to vary from $125-$300.

This may seem steep. However, consider this – the cost of repairing a broken sewer line costs around $250-$300 – per foot of repaired line. Repairing and replacing an entire sewer line or a line with major structural faults could easily run you thousands of dollars.

Should I Get A Sewer Scope Inspection?

Absolutely. As touched upon above, a sewer line is often one of the most costly things to repair in a home. Getting a sewer scope inspection can help you avoid investing in a home that has serious issues with the sewer/septic system.

You may even be able to save a bit of money on a sewer scope inspection if you’re able to find a home inspector who offers this service along with other traditional home inspection services, such as lead and asbestos inspections. Bundling these services usually will allow you to get a better deal.

Signs You Should Get A Sewer Scope Inspection For Home Purchase

Cracked Sewer Line

Before you go looking for a home, it’s a good idea to know what to look for, and what signs may indicate that you must get a sewer scope inspection before making an offer on a house. Here is a short list of some of the most common signs that something may be wrong with the sewer system, or that it’s at risk of being damaged.

  • Water backing up inside the house or crawlspace – This could indicate damage or breakage to the sewer line, or a significant clog.
  • Large trees in the yard – One of the most common causes of sewer pipe damage is the growth of roots around the pipe. Roots can grow around and constrict the pipe, breaking it, or grow into small cracks in the pipe, clogging it or causing leaks.
  • The house was built more than 25 years ago – Homes built before 1984 may have clay sewer pipes, which can be easily crushed or damaged. These typically must be replaced, or at least inspected to ensure that they are in good condition.
  • You notice shifting or movement of the ground around the home – If the soil around a house seems to have shifted, the pipe may have been affected. If it has moved, it could have broken or become bent and damaged, which may require a costly repair. |

    To identify this, look at things like the sidewalk and driveway. Are the surface soils level with the driveway or walkway? Do they seem to have sunk, or become piled higher than these concrete surfaces?
  • Extra-green or lush patches of grass – This is a common sign of a septic or sewer leak. Given its contents, sewer water is actually a powerful fertilizer that can help encourage plant growth. If you see a suspiciously healthy-looking area of the yard, especially if the rest of the lawn seems to be less lush or green, you should be suspicious.

Even if you don’t see any of these above issues, we would still recommend a sewer scope inspection. More minor issues with the sewer line may have few or no symptoms at all – but still cost thousands to repair.

Sewer Scope Inspection Results – What To Look For

Wondering what to look for during the inspection? You’ll typically watch the video feed throughout the process. You and your inspector will be looking for:

  • Serious clogs or blockages in the sewer line
  • Cracks, damage or imperfections in the line
  • The type of material used for the line (clay, concrete, plastic, metal, etc)
  • Roots growing through the line
  • Separation or failure of the line
  • Potential damage or issues with the septic tank (if present)

Your inspector will walk you through the entire process, and help you understand what you’re seeing. If no issues are detected, great! If there are some minor problems, you may be able to negotiate a better rate on the home, or at least plan for the repair in your home budget during the next few years. Finally, if there is a major issue, you likely will be able to walk away from the sale, require the homeowner to make the repair themselves, or get them to reduce the cost of the property accordingly.

Know Before You Make An Offer: Get A Sewer Scope Inspection!

Need to find a reliable home inspector for a sewer scope inspection in Jacksonville? Contact us right away to learn more about the inspection process and get a quote, or just schedule your appointment now.

Do I Need To Get A Home Inspection on a New Construction Home?

Do I Need To Get A Home Inspection on a New Construction Home?

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Your newly built home is likely to have all of the latest energy-saving features and comforts that you could ever want. It’s brand new so why would you need to get it inspected? Is a home inspection really necessary for a newly-built home?

It’s ALWAYS a good idea to get a home inspection, even on a newly constructed home.

You may be wondering why this is the case for a newly constructed home. A new home should be in perfect shape, right? Not always. Here are two major reasons you should always get a new home inspected.
1. There may be undisclosed issues or shoddy workmanship

Just because a home is brand-new doesn’t necessarily mean that it’s been built with the highest workmanship standards in mind. The plumbing could have serious issues, the roof may be installed incorrectly, there may be issues with the chimney, and so forth.

Just like a regular home inspection, you won’t know about these problems unless the home is inspected. You’re not going to be able to recognize them on your own, and chances are that the homebuilders and realtors aren’t going to point them out.

If you buy a new home without an inspection, you could be on the hook for expensive repairs if something goes wrong.

Even a single careless contractor or a tiny mistake made when building the home can snowball – and cause serious damage. Home inspectors can recognize these issues.

2. It’s possible the home may only be up to minimum standards

County building inspectors have to sign off on the construction of a new home, and make sure that it’s up to code. But the fact is that they only check to make sure that it adheres to the bare minimum building standards.

These inspectors don’t work for you – they work for the county. So if the house is in okay shape and doesn’t violate any building codes, they’ll sign off on it. They’re not going to check whether the drywall is installed properly, take a deep look at the attic ventilation systems, or check the crawl spaces for leaks.

For a truly deep look at your home’s systems, you need to hire a home inspector. If you don’t, you’re taking an unnecessary risk.

For these two reasons, you should always get a new home inspected.

What About My Home Warranty?

Most newly-built homes have warranty protection built-in for the first year of home ownership. During the first year, the home builder will typically fix just about any and every problem that you come across. HVAC, plumbing, and electrical systems are usually covered by up to 2 years, and “Major Structural Components” are also usually covered for up to 10 years.

So, you may think you can just skip a home inspection, and your home warranty will cover you if you have any issues. Don’t make this mistake. Your home warranty is useful, but filing a warranty claim can be time-consuming and costly, and it may be rejected if it’s for a non-covered item, or you’re out of your warranty. Your warranty will likely cover most major issues with your home – but it’s best to get these out of the way first, before you close on the purchase of a new home. You don’t want to purchase a home with major structural flaws.

That’s why it’s so important to have a pre-purchase home inspection, and to have a home inspection contingency built into your contract, to allow you to back out of the purchase process if the home is revealed to have major structural flaws. If you’ve recently purchased a new construction home, it’s a good idea to get an 11-month inspection to catch any issues before the warranty is up.

Think of it this way. Your home inspection is your first line of defense, to eliminate obvious problems. Your warranty is your last line of defense. You should only need to use it if a problem occurs that was not revealed by the initial inspection.

Make Sure Your New Home Is Inspected – And Safeguard Your Purchase

New homes are not always in tip-top shape. Shoddy construction is often a concern – and the sheer number of contractors and subcontractors involved in building a home can mean it has some problems, even if the developers dotted their “i’s” and crossed their “t’s” during construction. So never neglect a pre-purchase home inspection, even for a brand new home.

Ten Important Questions to Ask Your Florida Home Inspector

Ten Important Questions to Ask Your Florida Home Inspector

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When you purchase a home in the Sunshine State, it helps to do your homework. First, you shouldn’t buy any property without exploring its potential problems. Obtaining a certified home inspection from a professional who is licensed to practice in Florida will help prospective buyers to better understand any work that a home might require in the near future.

Understanding these anticipated costs may, in rare cases, change their purchasing decision. Such projected expenses may be a negotiating point that buyers can use as leverage. Buyers may wish to negotiate a lower selling price or get the sellers to pay for some closing costs.

Ultimately, knowing a property’s condition protects buyers by making sure you understand the investment you’re about to make.

1. What kind of inspection do you need in Florida?

Many prospective buyers seek an inspector who performs a “Four Point Inspection,” which includes a review of the heating, ventilation, and air conditioning (HVAC) systems, the electrical panels and wiring, the plumbing fixtures and connections, and the roof. Expect a report that only covers these four areas, while not addressing other aspects of the property. This is not recommended in place of a full home inspection. These inspections generally are for insurance purposes when the home is 25 years or older.

2. Do you need more than a 4-point inspection?

If you will make a large investment in a home and plan to occupy it within the foreseeable future, you need something more. However, there could be many potential issues in a home to be discovered inside and outside of the structure. This inspection type is recommended for insurance only.

3. Do you need information on Wind Mitigation in the inspector’s report?

Some property inspectors specialize in Wind Mitigation Reports. They help consumers understand how a structure’s roof might perform (in its present state) during hurricane-force winds. Some buyers obtain two home inspections, one from a 4-point inspector and one from a wind mitigation expert. This the only inspection that can reduce your home owners insurance. Generally a good idea when a newer roof has been installed.

4. How long will the inspection process take?

A typical inspection lasts 2 to 3 hours. While you’re encouraged to be at the inspection and ask questions, you also want to give the inspector an opportunity to focus on the home and their findings!

5. When will you get the report?

Some home inspectors use modern reporting technology and deliver the report within 24 hours and in some cases shortly after the inspection. A good inspector will also walk through a summary of the findings with you after the inspection.

Digital reports with lots of photos are a plus!

6. What is Errors and Omissions Insurance?

Inspectors use this kind of professional liability coverage to insure professional mistakes they might make on the job. They don’t want to be sued for omitting important facts from their report. Buyers and sellers could bring false claims against them or assert that they should have discovered a property’s specific issue. Most home inspectors do not carry this due to the cost. Inside & Out Property Inspectors carries 1 million in coverage.

7. Should you get more than one inspection?

If you only need a certificate to give your property insurance company, then a 4-point inspection might suffice. If you want to live in the home without making too many repairs after taking residence, you will want to understand the structure’s integrity. You will want to locate common problems like termites, mold, and Chinese drywall.

8. Should you let the same inspector fix the home’s problems?

In Florida, it is illegal (and a huge conflict of interest) for home inspectors to call out issues on your home and also remedy them. The only exception is WDO (Wood Destroying Organisms) Inspections & Remediation. Some inspectors also have Pest Control businesses. Beware of home inspectors that say they can do repairs.

9. Can you take the property inspector’s word for it?

The inspector has no emotional investment in the inspection process. He or she will give you the straight facts about the home’s condition. You decide how much action (or reaction) to take in response to the expert’s report. Your inspector should have the communication skills to talk you through various findings.

10. What if there are lots of recommendations or defects?

It’s a home inspectors job to point out maintenance items, regular defects and safety hazards. Every home has common issues, so just because a home has a lot of items on the home inspection report doesn’t mean it’s a money pit!

Work with your agent to determine what are priority items that would impact your quality of life. The reality is most homes are safe and ok to live in. Each one will have varying levels of TLC that need to be put in it. Remember, buying a house includes routine maintenance that comes with the responsibility of being a home owner!

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