Posts

To test or not to test? Examining the garage door pressure test | Part 1: The Standards’ Perspective

Jan 15, 2020
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Part 1: The Standards’ Perspective During a routine home inspection for a home buyer, one of our insured home inspectors performed an auto reverse test to examine the reverse jam function of the property’s automatic garage door. The door failed the test due to a pre-existing defect, which the inspector wrote up in his inspection…

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Radon inspections: What you need to know

Jan 1, 2020
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Radon: the colorless, odorless gas emitted into the air by the radioactive element, radium, as it breaks down in soil, rock, and water. Typically, radon penetrates buildings through small cracks or openings in foundations undetected. And, once radon has entered a property, the radon may be trapped inside. In fact, this is what home inspectors…

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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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