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E&O vs General Liability: What they are and why you need both

Jan 15, 2018
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Whether you just got your license or you’ve been inspecting for 25 years, you’ve probably heard fellow home inspectors debate whether insurance is a worthwhile investment. Some argue that the cost of most complaints is less than what you’d pay for continuous insurance coverage. Others argue that inspecting uninsured isn’t worth the risk since one…

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How to avoid a mold claim

Jan 1, 2018
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A possible health risk and a costly issue to fix, mold deters many potential home buyers away from otherwise great finds. Others who buy only to find mold later frequently look for someone to blame, leaving you, the inspector, with a sizable target on your back. So even if you’re not inspecting for mold—and especially…

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Behind the “Pre” in Pre-Inspection Agreement

Dec 1, 2017
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Statistics continue to suggest that the United States becomes more lawsuit-happy each year. The home inspection industry is no exception as inspectors continue to receive allegations of negligence and misrepresentation. Because potential lawsuits continue to threaten inspection businesses, it’s crucial that every home inspector get their pre-inspection agreement signed before each inspection. For most of you,…

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3 Ways Your Deductible Determines What You Spend and When

Nov 1, 2017
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Why bother weighing options when choosing your deductible? Your deductible affects not only your insurance coverage but your bottom line. So before you write your insurance company a check, it’s worth considering your deductible’s role in the price you pay. Here are three ways your deductible determines what you spend and when. Simple Deductible vs. Self-Insured…

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Is my claim covered? Understanding claims-made insurance

Aug 15, 2017
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What does it mean when your quote and policy say, “THIS IS A CLAIMS-MADE AND REPORTED COVERAGE”? Do you know what it means to carry claims-made home inspection insurance? Most errors and omissions (E&O) insurance is claims-made. That means inspectors need to carry continuous coverage for protection from claims. Why is it so important to avoid a lapse…

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