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Jul 21, 2011

Home Inspector Insurance – Lead Paint Inspection Coverage

What is home inspector insurance for lead paint 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 lead paint.

Lead-based paint (LBP) is a concern in most homes built before 1978. The growing awareness of lead poisoning resulted in the eventual ban of lead-based paint in 1978 when the U.S. Consumer Product Safety Commission (CPSC) banned the sale and distribution of residential paint containing lead. Before the decline in use and eventual ban of lead-based paint, it was considered a high quality and durable paint. It is estimated that over 80% of the homes built before 1978 contain some lead-based paint.

Testing for lead based paint involves taking a sample from the wall, baseboard, chair rail, or other items that may be painted with lead based paint. Once the sample(s) is taken it is sent to a lab for further analysis. The resulting lab analysis is given to the party requesting the lead paint inspection.

Many inspectors performing lead paint inspections carry home inspector insurance with lead paint inspection coverage. Our program offers home inspector e&o insurance with additional lead paint inspection coverage. The additional lead paint 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 additional lead paint inspection endorsement please call one of our team at 801.610.2700.

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