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What does a world series umpire and home inspecting have in common?

Published under News on 10/20/2011

Last night the St. Louis Cardinals and the Texas Rangers began playing World Series 2011. St. Louis held on for a 3-2 win. Game 2 was last night and the Rangers evened the series. It’s probably not often you think of sports and home inspecting as having something or anything really in common. Umpires are professionals that help maintain the integrity and the civility of the game while, for all intents and purposes, trying to remain some what in the background. In fact during this World Series even the casual fan knows some of the players and managers: Albert Pujols, Tony LaRussa, Josh Hamilton, Adrian Beltre, Lance Berman, etc. A few of the super-fans of the game will know who the umpires are. But for the most part, the umpires will perform in the background and will stay there throughout the series.

Home inspectors are kind of the same. Home inspectors are not the main characters in the buying and selling of a home. But they do perform a vital service and help keep things level. Or we could say that at least a home inspector helps a buyer make an educated and informed decision. Lets look at a few situations in a baseball game and see how they relate or compare to a home inspector.

rightfield What does a world series umpire and home inspecting have in common?
Fair or foul?
The ball is hit deep to right field and is fading towards the fair/foul pole down the right field line. Its dark. The lights in the stadium are on, and every once in a while there are flashes from fans cameras in the upper and lower decks. As the ball gets closer to the right field stands the fans are rising to their feet to catch a glimpse of what will potentially be a home run. The umpire is racing down the right field line to get closer to make the call. Fair or foul!

While not perfect, the umpire makes the most accurate call they can in a split second. The umpire takes into account that the batter was right-handed and that means the ball will be tailing away from the field of play. Prior to the pitch the umpire, most likely checked the flags at the top of the stadium to see which way the wind was blowing, if at all.

This is like a home inspector. As a home inspector walks a property they notice the slope and grade of the lot, the home inspector will also notice the slope and grade of adjoining lots and of the neighborhood in general. A professional home inspector is aware of the weather, not only of the weather at the time of the inspection but also for the immediate past. A professional home inspector will also notice the other items in the home that may be indications of a larger concealed problem. Something like fresh paint in the basement that may be hiding stains from past moisture intrusion. A professional home inspector is cognizant and aware of the situation and acts much like an umpire during a baseball game.

Safe at first What does a world series umpire and home inspecting have in common?
Calls at the bag?
The batter skips the pitch off the infield grass and towards the gap between short and third. Both players make a move to the ball with the shortstop coming up with the ball as he is moving away from first base. Off-balance he throws across his body to first hoping to force the runner out at the bag. The ball and the runner appear to reach first base at exactly the same time. This is ofter referred to as a “bang-bang” play. And the umpire is required to make the call.

A home inspector has to do the same thing. Just like the play at first there are many times a home inspector will see something just once and for a split second but that triggers a response and some notes in their report. Home inspectors notice things like the sun shining just perfectly to show the gaps between the window and the wall. Or the beam of the inspectors flashlight might illuminate some moisture intrusion signs in the attic that might not have been noticeable to anyone else. Just like the world series umpire that has had years and years of practice and game-time experience, the home inspector is the same. The home inspector has been trained and schooled in what to look for and the signs that may lead to defects that the previous homeowner may be trying to cover.

Home inspectors are in many ways just like a world series umpire who has years of experience, a crew that works with them, and the skills and professionalism to do their job with the whole world watching. Each year home inspectors receive training and skill enhancements to help them see and report on issues so that you can make an informed decision about the property in question. The best inspectors typically carry insurance and many of them are bonded. If you are a world class home inspector and would like to learn more about home inspector insurance, give us a call at 801-610-2700. Let us cover you while you’re out in the field.

If you are looking for St Louis home inspector insurance check out our Missouri web page. Or if your are searching for home inspector insurance in Arlington Texas, check out our page about Texas.

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Most Followed Home Builders on Twitter

Published under News on 10/10/2011

We all know this group for their home building skills: Ty Pennington, Bob Vila, Mike Holmes, Paul DiMeo, Paige Hemmis – but where do they rank on the web and Twitter specifically? We created this home builder infographic that shows the most followed and respected home builders on Twitter. Check it out and thanks for sharing…

By the way, there are options available for you if you are looking for home inspector insurance in Utah. The InspectorPRO insurance program has been specifically designed as a “best in class” home inspector insurance program. The program is available for home inspectors and commercial building inspectors in all 50 states. By providing home inspector insurance, home inspector errors and omission (E&O) and home inspector general liability insurance, together in one policy solely to home inspectors and commercial building inspectors as well as leveraging the purchasing power on a group basis.

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InfluentialHOMEbuilders Most Followed Home Builders on Twitter

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Drop this infographic right on your site or blog, it’s easy. Copy and Paste the following right onto your website.

Post to Your Site and Share:

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FABI Fall Conference…..

Published under News on 09/07/2011

It’s coming up quick. FABI is hosting their fall home inspector education conference September 10 & 11 at the Westin in Fort Lauderdale. Come and join them for some excellent inspector education. InspectorPro Insurance has a booth in the vendor area. If you are interested in learning more about our product and how it benefits inspectors throughout the nation, stop by and see us. Or just come by to enter to win a new flashlight. We look forward to meeting you.

FABIFallEducationConf FABI Fall Conference.....

Offered to inspectors nationwide, InspectorPro Insurance is a best in class home inspector insurance product. We offer our home inspector insurance policy with many endorsements, including; mold, radon, termite, septic, radon and many others. Call us at 801.610.2700 for more information. Or if you want a quote Home Inspector Insurance Application

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From the Ground Up…..

Published under News on 09/06/2011

This fall CREIA is holding their Fall Conference (October 14th – 16th). It’s titled From the Ground Up. CREIA conferences are always a good experience and packed full of information and relevant home inspector content. If you need home inspector insurance, or just want to talk to us about what we can offer inspectors, stop by our booth in the vendor area. We’re going to the show and look forward to seeing you.CREIA Logo From the Ground Up.....

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Filling Your Toolbox

Published under News on 09/02/2011

In 3 short weeks (September 22 – 25) we are heading out to the NAHI National Education Conference in Cincinnati.

If you are going to the conference, stop by our booth and say hello. We’d be happy to talk with you about the premier home inspector insurance program on the market.

nahieducationconference1 Filling Your Toolbox

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Release Me!! – Home Inspector Insurance thoughts…..

Published under Business Practices,News on 08/24/2011

No inspector is perfect. If we all sat in a room and I asked you how many of you has missed something when inspecting a home the answer would be everyone. That old saying, “it’s not if, but when” is true. At some point in your inspection career you’ll have to deal with the results of a mistake.

There are many thoughts and opinions about how to respond and while this post won’t address all the potential responses; I do want to talk about the Claim Release Statement.

After your conversation back and forth with the claimant you may eventually settle on a dollar figure they will accept to drop the claim and allow both parties to move on. It’s your choice to pay the settlement and walk away.

HOWEVER, you must get a signed release from the claimant. Having an gentleman’s agreement will not stand up in the future. Putting a statement on the back of the check that says something to effect of “by signing this check I release ABC Inspections from any and all future claims” also will not typically hold water in the event of future claims. You’ve got to have a release that finalizes the transaction for the current claim and anything that may arise in the future.releaseimage1 Release Me!!   Home Inspector Insurance thoughts.....

Each year in the home inspector insurance industry we see situations where claims are settled. When a claim is settled the insurance company always gets a release letter signed by the claimant for this and all future claims. As an inspector, if you are going to negotiate your own settlements for incidents you should follow the same practice.

Yes mistakes happen, and yes sometimes you can settle them and walk away. Obtaining a release is a smart home inspector business practice.

Disclaimer….I am not an attorney and this post is in no way an attempt to convey or give legal advice. You should consult with your attorney to draft the release you use.

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Home Inspector Insurance – Equipment Coverage

Published under News on 08/19/2011

No doubt like many inspectors you have some tools or equipment for your inspection business. One of the troubles with finding home inspector insurance is that typically it doesn’t expand to cover your equipment as well.

The InspectorPro Insurance Program has the ability to offer you equipment coverage with your policy from us. You can get up to $10,000 in coverage for only $200 extra in premium.

Call one of our Program Managers at 801.610.2700 to learn more. Or just apply online and mark yes to equipment coverage. Home Inspector Insurance Application

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Home Inspector E&O and General Liability Insurance – whats the difference

Published under News on 08/18/2011

Have you every wondered what the difference is between E&O and general liability for home inspector insurance? We created a short video that explains the difference.

You can find it here: Home Inspector Insurance E&O and General Liability Insurance – whats the difference Just scroll down the page

Or you can always call the team at 801.610.2700

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Home Inspector Insurance – Retroactive Coverage

Published under News on 07/29/2011

No doubt when you think about home inspector insurance you are concerned about retroactive coverage. Well lets break this down to a few important points….

1. What is retroactive coverage and why is it important to home inspector insurance
2. Claims Made vs. Occurrence home inspector insurance coverage
3. How do you know your home inspector insurance policy has retroactive coverage

Starting at the top, What is Retroactive Coverage and why is it important to home inspector insurance

Retroactive coverage is an insurance policy that will cover or “pick up” your past years of work and provide insurance coverage for them. In the case of home inspector insurance, retroactive coverage would pick up inspections you have performed prior to the year you are purchasing the insurance for. So, as an example, if you have been performing inspections for 4 years the retroactive coverage part of your home inspector insurance policy would cover the previous 4 years in addition to the upcoming year you are buying the insurance for.

However there is one major caveat……. You must have had insurance coverage for each of those previous 4 years and had no lapse or break in coverage. So when you ask the insurance provider for retroactive coverage they are going to ask you to prove you had coverage for each of the years previous you are asking for.

The above scenario applies only to the Claims Made coverage. There is a major difference between claims made and occurrence which is outside the scope of this post, but will be addressed in a subsequent post shortly.

How do you know if your home inspector insurance policy has retroactive coverage? Great question. You need to make sure you ask your home inspector insurance provider about retroactive coverage. The InspectorPRO Insurance policy for home and building inspectors offers full retroactive coverage. Just make sure you ask for it and provide the necessary documentation to obtain it.

If you have more questions about home inspector insurance retroactive coverage please call one of us at 801.610.2700

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Home Inspector Insurance – Wind Mitigation Inspection Coverage

Published under News on 07/28/2011

What is home inspector insurance for wind mitigation inspections? Home inspector e&o insurance and home inspector general liability insurance are mainly for home or building inspections. However some inspections involve inspecting the property for proper windstorm damage protection measures.

A windstorm inspection, also referred to as a “windstorm mitigation inspection”, windstorm insurance inspection or “Wind Mitigation Inspection”, is a kind of home inspection common in the coastal areas of the Southeastern United States. The purpose of a windstorm inspection is to determine the appropriateness of a given structure’s construction in the event of strong winds, such as those present in a hurricane.

Windstorm inspections look for construction features that have been shown to reduce losses in hurricanes, such as a hip roof, concrete block construction, the presence of gable end bracing, shutters and opening protections, the presence of roof to wall attachments such as toe nails, clips or hurricane straps, and the presence of a secondary water resistance barrier.

Many inspectors performing windstorm mitigation inspections carry home inspector insurance with wind mitigation inspection coverage. Our program offers home inspector e&o insurance with additional wind mitigation inspection coverage. The additional wind mitigation inspection coverage is added through an endorsement to the policy.

If you have questions about home inspector e&o insurance, home inspector general liability insurance, or the wind mitigation paint inspection endorsement please call one of our team at 801.610.2700.

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