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Case Studies

The Sinking Yard: A Home Inspection Insurance Claim

The following is a real home inspector case study 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. “You have been sued. You may employ an attorney. If you or your attorney do not file a written answer with the clerk who…

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How one inspection report saved thousands of dollars

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…

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It Can Happen To You: A Home Inspector’s Insurance Story

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…

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You’ve Got the Wrong Guy

The following is a real home inspector case study 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. The Complaint Three months after an inspection of a short-sale property that had suffered from some previous flooding, home inspector Jeremy Pierce received…

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“You Didn’t Do Your Job”

The following is a real home inspector errors and omissions insurance pre-claim from our archives. In order to protect the insured’s identity, all identifiable characteristics—including names, associations, and locations—have been omitted or removed. To learn more about pre-claims assistance, read this recent article. The Complaint While on a cruise just two months after the original…

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The Furnace of Affliction

The following is a real home inspector errors and omissions insurance claim from our archives. In order to protect the insured’s identity, all identifiable characteristics—including names, associations, and locations—have been omitted or removed. The Complaint Nearly two years after the original inspection date, Marty Shaw received a call from a home inspection client. The client,…

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Swimmer electrocuted, inspector sued

Why carry errors & omissions (E&O) insurance? As broker Will Colton tells clients, it’s not a matter of if a home inspector gets sued but when. According to our latest statistics, 80 percent of the claims we receive as home inspection insurance providers are meritless (That means what the claimant alleges lacks reason, support, or proof.) Seems like…

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