Posts

Your Pre-Inspection Agreement: Your First Line of Defense

Jan 1, 2020
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In California court case Moreno v. Sanchez, the home buyers sued their home inspector for breach of contract, negligence and negligent misrepresentation. The buyers had discovered dust and asbestos, an inoperable drain, defective windows and wall cracking. They believed that the inspector should be responsible for the damage. The inspector’s primary defense: his inspection agreement,…

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How to respond to negative online reviews against your home inspection business

Dec 15, 2019
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An inspection client alleged that their home inspector failed to uncover major roof, plumbing, and sump pump issues. She demanded that the inspector refund the inspection and give her instructions to file a $20,000 claim against his insurance provider, us. Upon investigation, our claims team determined that the claimant’s allegation was among the 80 percent…

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The Sinking Yard: A Home Inspection Insurance Claim

Dec 1, 2019
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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. “You have been sued. You may employ an attorney. If you or your attorney do not file a written answer with the clerk who issued…

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What happens to my insurance policy when I sell my business? And other coverage questions relating to ownership changes

Dec 1, 2019
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Could or have one of the following scenarios happened to you? The owner of the home inspection company that you work for dies unexpectedly. When he retires, the owner sells his home inspection business to you, his employee. To get into the business, you buy the name of a prominent home inspection company in your…

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The Domino Effect: A Home Inspection Insurance Claim

Nov 15, 2019
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The following is a real general liability insurance claim from our insurance claim archives. In order to protect the insured’s identity, all identifiable characteristics—including names, associations, and locations—have been omitted or removed. While performing a routine inspection, a home inspector stumbled upon a common problem: Some of the seller’s belongings were inhibiting him from performing…

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Inspection Report Writing: 8 Best Practices

Nov 1, 2019
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For inspection clients and home inspectors alike, inspection reports are worth their weight in gold. Many inspection clients—often home buyers—rely on the findings inspectors detail in their reports to make important purchasing decisions. “[The inspection report is] basically a giant list of everything that is wrong with your (potential) home,” explained Kristin Wong in her…

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You’ve Got the Wrong Guy: A Home Inspection Insurance Claim

Nov 1, 2019
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The following is a real home inspection insurance claim from our archives. To protect the insured’s identity, all identifiable characteristics—including names, associations, and locations—have been omitted or removed. The Complaint Three months after an inspection of a short-sale property that had suffered from some previous flooding, home inspector Jeremy Pierce received a series of heated…

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Admitted vs Non-Admitted Home Inspection Insurance: What’s the difference?

Oct 15, 2019
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When shopping home inspection insurance, you have a lot of factors to consider. Are the insurer’s policies claims-made or occurrence? What exclusions and endorsements does the policy include? And does the provider offer any perks like pre-claims assistance or a diminishing deductible? (You can read more on the key characteristics to consider when shopping insurance…

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Spooky Home Inspection Story Contest 2019

Oct 15, 2019
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Thanks to all who celebrated the spooky season with us by entering our second annual spooky home inspection story contest. We’ve collected your most hair-raising horror stories and chosen our favorites. We are pleased to announce our 2019 scary story contest winners, who have received $100, $50, and $25 Amazon gift cards for First, Second,…

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Pre-Claims Assistance: How your insurance can help you avoid a claim

Oct 7, 2019
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Six months after an inspection, the client calls. During some remodeling, they found issues in the home that they think your inspection should have caught. They haven’t asked for you to pay for any repairs, but they sound upset and they’re looking to you for answers. How can you respond? You want to keep a…

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