What Is The Home Inspection?
How To Choose A
Qualified Home Inspector
What's So Important About
A Home Inspection?
Does A New Homes Need Inspection?
An
Inspection Report Is Not A Repair List For Seller
The
Home Inspection Limited To
Only What Is Visible
How One Should Negotiate After A Home Inspection
The Most Common Defects
Discovered During a Home Inspection
What Is A Home Inspection?
A home inspection is a thorough and systematic evaluation of the
condition of a home. It is a complete
examination of the general integrity, functionality, and overall safety
of a home and its various components. The purpose of this
process in part is to ensure that home buyers know what is being
purchased, prior to completing the transaction.
During the course of a home inspection, the inspector will evaluate
the framing, roofing, foundation, site drainage, attic,
plumbing, heating, electrical system, fireplaces, chimneys,
pavement, fences, stairs, decks, patios, doors, windows, walls,
ceilings, floors, built-in appliances, and numerous other
fixtures and components.
All homes, even brand new ones, have some building defects
inevitably be discovered during an inspection. Pertinent
findings will be detailed in a written report for the buyer's
reference and review, and the inspector will make a complete
verbal presentation of these conditions for those who attend the
inspection.
An inspection report enables a home buyer to make educated decisions
about a home purchase: whether to complete the transaction,
whether to ask the seller to make repairs, or whether to buy the
property as is. Buyers can determine how much repair and
renovation will be needed before after taking possession, which
problems are of major concern, which ones are minor, and what
conditions compromise the safety of the premises.
The thorough inspections enable a home buyer to avoid costly
surprises after the close of escrow. It is an very indispensable
component of a well-planned purchase.
How To Choose A Qualified Home Inspector
All
Home inspectors are not created equal. As with many profession,
some practitioners inevitably outshine the others. To aid in
choosing a qualified seasoned home inspector, interview each
with the following criteria:
1) Their Professional Affiliation: In most states, the only home
inspector standards are those enacted by professional
associations like the American Society of Home Inspectors (A.SHI.),
the National Association of Home Inspectors (NA.HI.), and similar
state organizations. Membership in part requires adherence to strict
standards of practice and participation in ongoing education.
When choosing a home inspector, specify membership in one of
these recognized guilds. Beware of those who claim adherence
to these standards without being members.
2) Their Inspection Experience: Home inspectors, often missperceived as
general contractors inspect not build or repair homes. This view
underlies the essential misunderstanding of the home inspection
process. Although building knowledge is quite essential to a home
inspector, construction by itself may have little or no relation to the
skills of forensic investigation. The home inspector is primarily
a property detective, someone who observes and ascertains
defects or damage. Similar to a traffic patrolman they are not crime
detectives, home inspectors should be viewed as distinct from
other contracting professionals. The average apprenticeship for
a home inspector is approximately 500 to 1000 inspections. For
any contractors who disagree, we propose the House Detective
Challenge: Call the nearest professional home inspector with at
least three years of full time field experience, and conduct
separate inspections of the same building. Then compare
both findings. That's where the consumer protection difference
becomes very apparent.
3) Errors & Omissions Insurance are critical. A critical aspect of
professional accountability is insurance for a faulty
property inspections. Undiscovered defects and or damages can range from minor
maintenance problems to structural failure and from leaking faucets
to major fire hazards. Inspectors taking their business
seriously carry insurance for these untimely mistakes. Note*
There are 2 types of E.&O insurance. The strongest of these is a
Per Occurrence policy, coverage remains in effect even after the inspector goes out of business. The other type is
titled a Claims Made Policy. This usually is effective on the date of
the home inspection and limitedly valid when it's time to file a claim.
4) Building Code Certifications, The primary focus of a home
inspector is not for code compliance. Nevertheless, property
defects often may have their basis in code-related violations
and standards. To
ensure inspector competence in this area of knowledge, seek
and inspector with building a code certification. This is required
with
municipal building inspectors for most areas of the North
America.
5) Ask the Inpsector for a Sample Report, The proof is in the
pudding (product) So
request a copy of the style of their reports. The best formats
are
not only detailed and comprehensive, but easily understood,
making a clear distinction between defective building conditions
and boiler plate verbiage. Some reports may be so encumbered with
maintenance recommendations and liability disclaimers verbiage, that
pertinent information about the property is obscured. A quality
report will have the defect disclosure(s) stand out distinctly, in contrast
with less pertinent data.
6) Let the Choice Be All Yours: When choosing your home inspector,
don't rely on others. The final selection should and can be your own.
New and or inexperienced inspectors may have professional
recommendations, regardless of competence or lack thereof. You
want the very most meticulous, detailed inspector available.
7) Try to Avoid Over Weighing Price : Inspection fees will vary. The price
of a quality inspection is typically between $350 and $550 for
an average size home. Lower prices should be regarded with
caution, as they often identify those who are new to the
business or who spend insufficient time performing the
inspection. A home is the most expensive investment you are
likely to purchase in your lifetime. A major defect missed by your
inspector could cost hundreds or thousands of times what you save with a bargain
inspection. The best consideration of price shopping is to shop for
quality.
What's So Important About A Home Inspection?
Why does my Real Estate Agent strongly suggest on getting a home inspection?
Do you think this is may be a needless expense? If so then "Think again!".
Since the 1980's, disclosure of property defects has become
a primary focus of residential real estate transactions
after first emerging as a service during the 1970's. Gaining
recognition over the past decades, home inspectors
attained prominent acceptance as a distinct and essential
part of disclosing
property defects or damage.
To any who approach real estate with the old 'as-is' mind set,
the advantages of home inspection may not be immediately apparent.
But make no mistake the thorough inspection can avoid
costly discoveries after the close of escrow. It's one of the
best home buyer protection services available.
Every home, regardless of location, age or quality, harbors a small,
medium, or large list of defectives. They may be obvious,
while others are only apparent to those who know how and where
to look. When you hire an experienced, qualified home inspector,
there is no question as to whether unknown defects will be
found; but rather what, where, and how serious, dangerous, or
expensive the defects will turn out to be.
Homebuyers spend fifteen minutes to an hour walking through
a home prior to making an offer. At best, this provides a
very general impression of the overall propry condition. What
about foundations and structural framing, attic construction,
insulation, ventilation, and roof conditions? ...Just a
few of the hundreds of considerations included in a home
thorough inspection.
Let's not forget family safety. Your inspector can
alert you to red flag issues involving the electrical wiring and
fixtures, fireplaces and chimneys, gas fixtures such as
furnaces, water heaters, cook tops, and ovens, railings at
staircases and decks, tempered safety glass in required
locations, and automatic reverse of garage door openers.
The inspector can forewarn you of problems involving
faulty ground drainage, defective plumbing, substandard
construction, firewall compliance, building settlement, leakage,
general deterioration, inoperative fixtures, and so much more.
Your agent understands this process and the importance
of equipping you to make an informed purchase decision. Your agent is working to protect your financial
interests. A detailed home inspection can let you will know what
you are buying, before you buy it, that could save you
thousands of dollars and years of regret.
Does A New Homes Need Inspection?
The misbelieve that a new home is flawless, simply because it is
new, is an unfortunate piece of popular mythology. When is
a brand new product exempt from possible defects? Often
one hears
of brand new cars recalled by Detroit; experienced sailors can
tell you of brand new boats that have leaked; and even brand new
parachutes have been known to fail when the ripcord was pulled.
With new homes, anyone who has worked in building construction
knows that contractors and trades people, as typical members of
the human family, are prone to occasional, or not-so-occasional,
errors and oversights.
A large population of
Inspectors polled from across the US on new home defects
unanimously agree that most, if not all, new homes are not
totally free of defects. Historically none have ever discovered a perfect
specimen, regardless of the quality of construction or the
integrity of the builder.
When the builder warrants the work for one full year, such
guaranties are of no benefit unless inherent defects are
discovered. Even with a warranty it may not cover them is
the builder considers them nonmaterial and cosmetic in nature. Many types of building problems and
safety violations do not become apparent for many years. Faulty wiring condition might not be revealed until it damages
your computer or causes a fire. Defects might only be
discovered when you finally resell the property, and the buyer
decides to hire a home inspector.
New home faulty conditions list that have been found
is extensive and includes such items as, defective roof
installation, improper fireplace construction, errors in
electrical wiring, excessive water pressure, fire safety
violations, unsafe venting of heater exhaust, leaking drains,
faulty site drainage, hot water piping connected to the toilet
(can you imagine a steaming bowl?), etc, etc. One infamous
case, a new home was built and approved on a concrete slab
without a perimeter foundation. We're not likely to
find a major list like this in any particular new home, but
every new structure contains a few undisclosed defects,
sometimes minor, sometimes not. New homes are often presumed to
be exempt from human error, and consequently many close escrow
without the benefit of a final examination. Buyers preparing
to make such a large investment, rough assumptions about quality of
workmanship can be financially fatal.
The best advice is to take nothing for granted. Your cost of an
inspection is incidental when compared to the price of a new
home. The qualified home inspector will most assuredly find items
that need repair. It will be best to discover them now than after the
close of escrow.
An Inspection Report Not A Repair List For Seller
You've hired a home inspector to make a complete repair list
for the home you're buying. Your inspector did a thorough job and
disclosed some serious problems with the property. Perhaps it was
in the plumbing, or the electric wiring. Perhaps it was the
roof. Surprisingly the seller refuses to fix anything. Should the seller
be responsible to make these repairs? Did you think
that the sellers must repair the problems discovered by home
inspectors?
A common
misunderstanding about the purpose of a home inspection is that
it is a mandatory repair list for
the seller. Factually the sellers are not required to produce a
flawless house. There is no such obligation by law or by
contract with one exception: The
Termite report. Real estate
contracts typically obligate a seller to repair conditions
classified as 'section one' in the termite inspector. Section1 includes instances of active infestation -- termites,
fungus, dryrot, etc. Addtionally other faulty conditions, such as earth to
wood contact, generally do not require action on the part of the
seller, unless infestation is found.
After the home inspection, most repairs are subject to negotiation
between the parties of a sale. A buyers may request
that various conditions be repaired before the close of escrow,
and sellers will usually acquiesce to some of these demands. Most building defects
are corrected by sellers as a matter of
choice, not obligation; to foster good will or to facilitate
consummation of the sale. A few rigid
sellers who will flatly refuse to fix anything, even at the risk
of losing the sale. This response is the exception,
rather than the rule.
A
Sellers can maintain the legal right to refuse repair demands,
except where requirements are set forth by state law, local
ordinance, or the real estate purchase contract. Obligations legal include earthquake straps for water heaters and
smoke detectors in specified locations. Usually contracts
stipulate that fixtures be in working condition at the close of
escrow, that windows not be broken, and that there be no
existing leaks in the roof or plumbing.
Demands of the seller should be made only after careful evaluation
of the
inspection report with an eye toward problems of greatest
significance. Check for conditions which compromise health and
safety or involve active leakage. Sellers that are reasonable,
if even surprised will address
problems affecting sensitive areas such as the roof, fireplace,
gas burning fixtures, or electrical wiring.
Cosmetic routine maintenance items warrant a lesser degree of concern and
should not be pressed upon the seller. When a house is not brand
new, it is unreasonable to boldly insist upon correction of all
defects. Grandiose demands can alienate the seller and kill the sale.
Willingness to accept minor problems may persuade a seller
to correct conditions of greater substance.
A primary purpose of a home inspection is not to corner the seller
with a repair list. A main objective is to know what you
are buying before you buy it. The overwhelming majority of homes have defects; it's not
possible to acquire one that is perfect. What you want is a
working knowledge of significant defects before you close
escrow. An old sea captain once told me: 'It doesn't matter
if your boat has a leak, as long as you know it's leaking".
Home Inspection Limited To Only What Is Visible
A.S.H.I .,The American Society of Home Inspectors, established
accepted standards of practice and codes of ethics, which define
the general scope of a home inspection. Guidelines have
come to be the acknowledged standards by which qualified home
inspectors perform their services.
Criterias: a home inspection is limited to
conditions that are visually discernible. Excluded
from an inspection are conditions which are concealed from view,
such as items contained within walls, ceilings, and floors, or
which are buried beneath the ground. According to ASHI
standards, inspectors are not required to perform dismantling of
construction or excavation of ground surfaces to discover
conditions that are not normally visible.
Clarification of the standards by which your inspector
performed his services: Inspectors are careful to define the
scope and limitations of their inspections. Parameters are
generally outlined in either the contract or the report or both.
Most home inspection contracts clearly specify that
concealed items are outside the scope of the inspection Most inspection reports specifically identify ASHI
standards as the basis upon which the inspection is to be
performed.
How One Should Negotiate After A Home Inspection
A home is scheduled to be inspected you're buying. After
you get your inspection report, how do you know which problems the
seller should fix and which ones to accept as is? Are there some
rules or guidelines to determine how this works?
Most cases, a residential sale is contingent upon the buyers'
acceptance of the home inspector's report. Meaning that you,
as buyer, have a specified number of days to accept or decline
the property in "as is" condition. If you decline acceptance,
you have four basic choices:
1) The sellers is requested to make many repairs
2)The sellers is requested to make a few repairs
3)The sellers is requested to reduce the sales price;
4) Decline to buy the property.
When a buyer request repairs or a price adjustment, based this upon the
home inspection report, the sellers also have choices. They can:
1) Agree to make all of your repairs requested
2) Agree to some
3) Agree to none
4) Decline to sell the property to you.
Sellers' only obligation is to address defects that are
named in the purchase contact or required by state and local
laws.A contract specifies an "as is" sale, the sellers may
refuse to make repairs of any kind or to adjust the price in any
way. Exceptions may include strapping water heaters for
earthquake safety, providing smoke alarms at specified
locations, or upgrading plumbing fixtures for water
conservation. Completion of the
sale hinges upon whatever is agreeable between you and the
sellers.
The Most Common Defects Found During a Home Inspection
Safety violations and construction defects and are surprisingly
common, but the majority of home inspection findings tend to be
routine in nature In fact some rear their unsightly heads as
often as the sun rises, not just in older homes, but often in
brand new ones, even before the smell of new paint has waned . A list of common defects likely to
appear in a typical home inspection report:
Rain Gutter and Roofing Defects:
Roofing material problems, either due to aging and wear or
to improper installation, are likely to be found in a majority
of homes. Not meaning that most roofs are in need of
replacement, but rather that most are in need of some type of
maintenance or repair
Roof Leaks Indicated By Ceiling Stains:
Problem here is that you often can't tell if the roof still
leaks, unless it is inspected on a rainy day Stains are
merely the residual effects of leaks that have been repaired.
It is also the possibility that ceiling stains were caused by a
former plumbing leak in the attic
Water Intrusion:
Intrusion of water into basements or crawlspaces due to ground
water conditions can be pervasive, difficult to resolve, and
often very damaging to buildings Correction may be as simple as regrading the exterior grounds or adding roof gutters.
Major drainage improvements are often the only practical
solutions, requiring costly ground water systems such as French
drains designed by experts such as geotechnical engineers
Electrical Home Safety Hazards:
An
Electrical hazards, especially (but not always) in older
homes may be from an ungrounded outlets, lack of ground fault
interrupters (shock protection devices), faulty wiring
conditions in electrical panels or elsewhere in a building, et
Problems may be the result of errors at the time of
construction, but very often they are due to wiring that was
added or altered by persons other than qualified electricians
Wood rot:
Rotted wood on building exteriors and at various plumbing
fixtures where wood stays wet for long periods, such as roof
eaves, exterior trim, decks, around tubs and showers, or below
loose toilets, fungus infection is very likely to occur,
resulting in a condition commonly known as dry rot. Left
unchecked, damage can become quite extensive and expensive
Alterations Were Constructed without Permits and Building
Violations On Additions:
Often
Homeowners will tell a home inspector, "A garage was added without a permit, but it was all done to code." This
is a red flag to most home inspectors, because no one
could possibly know the entire building code, and the average
person without professional involvement with the code is likely
to know very little of it When a owner offers code
assurance, problems are likely to be found
Fireplace and Chimney With Unsafe Conditions:
Ranging from lack of maintenance, such as neglecting to
hire a chimney sweep, to faulty installation of fixtures Common among these are the lack of spark arrestors and
substandard placement of wood-burning stoves. Fireplaces that
are Free-standing are typically installed by home owners and handymen,
people without an adequate knowledge of fire safety
requirements Most common violations in these cases involve
insufficient clearance between hot metal surfaces and
combustible materials within the building. Often with this
kind Fire hazards are often concealed in attics, where
they remain undiscovered until a roof fire occurs
Water Heaters Faulty Installation:
Most localities, less than 5% of all water heaters are
installed in full compliance with plumbing code requirements
Violations can include inadequate strapping, improperly
installed overflow piping, unsafe flue conditions, or faulty gas
piping. One should remembered that today's water heaters
are designed with a shorter lifespan, leaks can develop in units
that are only five years old
Gas Heaters, Hazardous Conditions :
Gas-fueled heaters are frequently in need of some maintenance, if only
the changing of an air filter or a long-overdue review by the
gas company Gas heaters may contain
life-threatening defects that can remain undiscovered until too
late Ranging from fire safety violations to the venting
of carbon monoxide into the building, a cracked firebox, for
example, can remain undiscovered unless found by an expert or
until tragic consequences occur.
Garage Firewall Violations:
Fire-resistive construction is required for walls and
doors that separate a garage from a dwelling Violations
may be very common, either due to faulty construction,
damage or alterations to the garage interior, or changes in code
requirements since the home was built Older homes, where firewalls are not
installed, sellers and agents may say that the building predates
the code but the fire separation requirement for
residential garages dates back to 1927
Plumbing defects:
Very commonly found, including loose toilets, dripping faucets,
slow drains, leaking drains, hot water at the right faucet, and
so on
Windows failed seals :
Condition is routinely found at dual pane windows,
resulting in fogging Most common with windows manufactured
during the 1980's
A unabridged list of home inspection findings would
probably fill a few volumes Home buyers, will this underscores
the importance of a thorough evaluation prior to closing escrow
Your agent will strongly advise you to obtain a Home Inspection
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