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Risk Management

How to make half of your insurance deductible disappear

From our decade of claims data, we know that the majority of home inspectors receive at least one claim in their career. And, when they do, it never feels great—particularly when that claim is meritless as about 80 percent of home inspection claims are. In his recent article, home inspector Randy Sipe described the feeling…

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Claim 8: Wood Rot

While renovating the deck of their recently purchased home, some home inspection clients discovered wood rot plaguing their back deck. As contractors removed the old granite countertops (presumably for an outdoor kitchen) to replace them, the deck broke, revealing the deteriorated main beams and support stringers. Rather than continue with their deck expansion, the new…

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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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3 inspection photos you should take to manage your risk

In North Carolina, a home inspector performed an inspection on a property that had been vacant for about 18 months. During the home inspection, the inspector ran the water in the various fixtures, including the shower directly above the kitchen. The inspector photographed the kitchen, including the ceiling, which, at the time, showed no signs…

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Who can sign my pre-inspection agreement?

Two years after the inspection, a multi-inspector firm received a county court summons. Within the summons, the inspection company’s former clients made a litany of allegations: Termites occupied multiple areas on the first floor, including the garage. One of the anchor plates on the basement wall was “moldy musty.” The bottom of the heating unit…

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Claim 7: Pests

Note: The following is a condensed version of a longer article, which we created for The Managing Risk column. The column reviews the most common allegations in the industry and provides tips to make inspectors better equipped to prevent claims. For the full version, read the original here. Over two years after performing a home and pest inspection,…

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Top 5 ways to protect your business from drone-related claims

This is Part 2 of a two-part series on drone inspections. Start with Part 1 to learn why and how home inspectors are using drones to better serve inspection clients. Read it here. Last year, in an article for the Wall Street Journal (WSJ), Nick Gromicko, founder of the International Association of Certified Home Inspectors…

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Claim 6: Structural Damage

Note: The Managing Risk column reviews the most common allegations in the industry and provides tips to make inspectors better equipped to prevent claims. In a recent claim, claimants alleged that a home inspector failed to detect structural deficiencies in the property. The claimants alleged that the inspector failed to identify that the wrong sized…

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