Posts

Your Pre-Inspection Agreement: Statute of Limitations

Aug 1, 2020
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Recently, a kitchen fire resulted in $100,000 in damages to a home inspection client’s property. Upon investigation, the inspection client discovered that a defective electrical component in the dishwasher, which was subject to a national recall, caused the fire. A review of the state’s regulations showed that nothing requires a home inspector to document the…

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Bob Pearson: The Godfather of home inspection insurance

Aug 1, 2020
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When Bob Pearson sees a need, he fills it. That’s what he did when he was working as Vice President of Operations for Perkins Restaurants & Bakery and Country Kitchen Restaurants. And that’s what he did when he owned his own home inspection firms. In both cases, there was a need for better insurance and…

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InspectorPro Insurance: The pioneers of E&O and general liability coverage for home inspectors have your back

Jul 16, 2020
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The following article was originally published on HomeInspectology.com, an online database of inspector education, marketing, and product resources. See the post on their website here. The InspectorPro difference Having the proper home inspection insurance is critical to your business. InspectorPro Insurance is the industry leader and sets a standard for inspection insurance. They provide a guest…

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Electrical exposures: What home inspectors need to know

Jul 15, 2020
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While inspecting the outside of a house a couple years ago, Joe Mazza of Exclusive Home Inspection in New York encountered a metal grating, like a louver, that went into the crawlspace under the property. According to Mazza, the grating was installed incorrectly. It wasn’t screwed in, so it was just sort of hanging there.…

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Your Pre-Inspection Agreement: Attorney’s Fees

Jul 1, 2020
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When Michelle Shishilla of Honor Services in Florida received a complaint regarding mold behind wallpaper, she knew her inspection company wasn’t at fault. They had offered mold testing, and the client had refused it. Plus, a visual, non-invasive inspection can’t find mold behind wallpaper. “In our mind, we were covered six ways from Sunday. We…

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Drone inspection insurance 101

Jul 1, 2020
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What damage can a drone cause when it collides with a person? According to an article by Popular Mechanics, the answer is that it depends. In an 18-month long study by the Alliance for System Safety of UAS through Research Excellence (ASSURE), researchers flew drones into and dropped drones onto crash dummies and cadavers to…

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How to avoid water damage general liability claims

Jun 15, 2020
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While inspecting the attic of a condominium, a home inspector noticed that the vent pipe from the stove was not connected. Stepping closer to photograph the defect, the inspector accidentally stepped on a plastic fire sprinkler line. The line broke, unleashing 150 pounds of water flow. The inspector immediately called the fire department to shut…

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Your Pre-Inspection Agreement: Arbitration

Jun 1, 2020
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Over a year after their inspection, one of our insured home inspectors received a letter from an attorney. The attorney alleged that the inspector was negligent in performing his clients’ home inspection and failed to identify multiple defects. The letter demanded that the inspector pay the cost of repairs to multiple areas of the property.…

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Body cams and home inspectors: A new application

Jun 1, 2020
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Recently, a real estate agent, representing a former mutual client, contacted Jon Bolton of The Inspectagator in Florida, claiming that his team had “ruined” the client’s gutters. The agent sent a photograph of a dent in the gutters and a demand that the inspection company pay to install new ones. The inspector who had surveyed…

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Home Inspector Closes Business, Then Receives Claim: A Case Study

May 15, 2020
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The following is a real home inspection insurance claim from our insurance claim archives. To protect the insured’s identity, all identifiable characteristics—including names, associations, and locations—have been omitted or removed. Eighteen months after their inspection, a home inspection client found a plumbing leak on their property. Almost a year later, another leak in a different…

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