There are Things Some Home Inspectors Aren’t Telling You
Before you sign on the dotted line and close the deal on that home purchase, you’ll go through a lot of different steps in the mortgage process. In some of these stages, you will need the help of a professional to do the work for you.
One of the most crucial stages is the home inspection. Some loan programs require this before you can proceed to the next part of the mortgage process.A home inspection is done by a professional who has been trained to assess the property closely.
They help you get a closer look and hopefully reveal the flaws hidden in plain sight. Perhaps, you weren’t able to stop them because to you it isn’t a big deal. But to an inspector (and a lender) it can be a serious problem.
Hiring the Right Person
When hiring a home inspector, you can’t just get the person whose name appears first on some random service listing on the web. A home inspection is a serious matter. It can make or break your mortgage application. You have to hire someone who is truly knowledgeable about the job.
While you have the total freedom to pick any inspector you choose, it’s important to find the right one. Each has a different skill and experience level, and not everyone has you best interest at heart.
To help you distinguish a qualified home inspector from someone who isn’t, take a look at these things that some of them choose to hide from you.
3 Things Home Inspectors Aren’t Telling You
“If we miss something, we’re only human.”
We expect home inspectors to spot every single problem, from the most obvious to the tiniest issue. However, inspectors are still prone to errors. When an inspector overlooks some issues, this mistake may lead to more serious problems in the future.
One way to prevent this from happening is by looking for an inspector who has an Errors and Omissions coverage. This protects you when the inspector misses any major issue which may cause you thousands of dollars worth of damages.
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“We can tell you what needs to be done but don’t make us do the repair work.”
You may think that an inspector who can examine the house and do the needed repairs at the same time is a great deal.
Home inspectors who are also hired to repair damages may find more issues than one who is just there to purely inspect the house. However, this might not always be in your best interest.
It’s not impossible to get someone who can do both with integrity. However, some may just be there to squeeze out your money. It would be better to have these projects done by separate professionals.
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“We aren’t responsible for checking if you are up to code.”
It is wise to purchase a property that meets the state’s code. Buying one that doesn’t comply with the building code standards will put your finances and your safety at risk.
In general, it isn’t a home inspector’s responsibility to check if your house passes the building code in your area. The city’s building inspector will be the right person for the job. This professional assesses if the house meets the code requirements.
