Case Studies

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. While sitting at home, an inspector heard a strange sound coming from outside. The noise seemed to be coming from the driveway, so he went…

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…

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. “In March, I had a home inspection done by Ron Howard, who is insured by you. I moved into my home in May. In July,…

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…

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…

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…

The following is a real home inspection insurance pre-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 While on a cruise just two months after the original inspection date, James Johnson received a call from not the home inspection client but the client’s…

The following is a real home inspection insurance pre-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. A year after their inspection, a client began to perform renovations to their recently purchased property. Upon removing some exterior siding by the…

The following is a real home inspector general liability pre-claim from our archives. The inspector has given us permission to reveal his identity and to use direct quotes from our post-pre-claim interview. Pre-claims assistance is exactly what it sounds like: It’s free help responding to unhappy clients in a way that may prevent said clients from…

This past October, home inspector Randy Sipe approached us, his insurance provider, to ask if he could write an article for our readers. After nearly 20 years of inspecting claims-free, Sipe had received a meritless allegation. Sipe wanted to share his firsthand experience with a frivolous lawsuit to encourage his peers—particularly those who believe they’re…