A professional home inspector is not only familiar with all the components of a home, but is able to evaluate the condition of the home and all of its systems. Professional Home Inspectors in Stoneridge Roseville, CA will point out the components that are not working properly as well as those that are unsafe. They will address areas where repairs may be needed or where problems may arise in the future.
How to Choose the Best Home Inspector in Stoneridge Roseville, CA?
The purchase of a house is probably the largest single investment you will ever make. So, it only makes sense that you should know exactly what to expect, both indoors and out, in terms of repairs, maintenance and the associated costs that come with a new–or old–home. One of the best ways to understand a home’s condition is to hire a professional home inspector.
It is easy to get a List of Roseville Home Inspectors by searching online. A simple search with the keyword, “Home Inspectors in Stoneridge Roseville, CA” will produce multiple results giving you a list of Home Inspection companies, Realtors, and Real Estate Agents.
A professional home inspector is also able to make an unbiased and accurate report of the property’s true condition as an expert in home inspection. This knowledge will make it much easier to assess an accurate value of home property.
Even the most knowledgeable homeowner lacks the training and depth of knowledge that only a professional Roseville home inspector provides. That is why it is so important to hire an experienced home inspector to perform the inspection on a home’s property. When selecting a home inspector, be sure to choose one that will give you the quality of service you deserve and that you feel comfortable with. Consider the following questions when selecting a professional home inspector:
What are the home inspector’s qualifications?
Home inspection is a trade that requires special training, knowledge, and skills. The more experienced a true professional home inspector is, the more likely they will be able to uncover any problems. Look for professional home inspectors that have sufficient practical experience, a general understanding of all components in a home, and a background in related trades. Reputable home inspectors are also more likely to be certified with a well-known association, such as ASHI (American Society of Home Inspectors) that requires them to adhere to a strict code of ethics and specific standards of practice. Always ask about their membership in various associations. You also have the right to see proof of their membership.
Can the home inspector provide quality references?
A highly regarded professional home inspector should be able to provide you with references upon your request. Be sure to take the next step and contact the people named as references Ask them if they were satisfied with the inspector’s complete service and their overall experience with them.
Will the home inspector allow you to participate?
A professional home inspector in Stoneridge Roseville, CA should feel comfortable allowing you to participate throughout the inspection. Don’t be afraid to get your hands dirty and ask questions along the way. A home inspectors purpose is to educate you on your home and all of it’s components–learn all you can. A good suggestion is to do a little research on your home beforehand and come prepared with a list of questions for the inspector.
What is the scope of inspection?
A standard home inspection report summarizes findings from a visual inspection of the home’s interior and exterior components. Exteriors components include roofing, flashing, chimneys, gutters, downspouts, wall surfaces and the foundation, including the grading around it. Interior components include electrical, heating, air conditioning, ventilation, plumbing, insulation, flooring, ceiling and wall finishes, windows and doors, basements, and any visible structures of the home. Upon completion of the inspection, the certified home inspector should provide a clear, easy to read report detailing every major home system and component within 24 hours. A good home inspector in Stoneridge Roseville, CA will also provide you with pictures of various elements to help you see and understand the true condition.
What Happens During A Home Inspection?
You've heard the saying "There are no stupid questions." Well, that's as true for real estate agents as it is for anyone else. Agents should consider asking the simple but important questions listed below before referring inspectors (either home inspectors or home inspection companies) to their clients.
Referrals reflect the agent's own professional judgment and may affect the most important pipeline of potential future business. Moreover, agents are fiduciaries: they must put the client's interests above everything else, make the best possible recommendations, and avoid making an expedient or convenient choice when a better alternative may exist and should be evaluated for their clients. Referring your client to an inspector just because an office mate or friend says, "Oh, I've used them for years" is not necessarily the best strategy.
Consider the following simple questions each and every time you refer an inspector:
1. Know Your Inspector's Background, Experience, and Credentials
All agents should take into account an inspector's experience, including how many inspections they have performed, how long they have been in the business, and what certifications, licenses, and memberships they hold. Why? Because all inspectors are not created equal. Most inspectors are contractors, but many of the best are not. I've found that extensive training in the art of inspection or other code knowledge by far outweighs a contractor's license. A well-rounded inspector will be properly trained and well versed in all aspects of residential construction.
Although some states now require licensing for home inspectors, California doesn't. See California Business & Professions Code 7195 et seq. There are, however, professional organizations which require experience and training for membership. The two primary associations in California are the California Real Estate Inspection Association and the American Society of Home Inspectors. Consider referring an inspector who is affiliated with one of these organizations.
Don't overlook the inspector's relationship to his or her company. Is the inspector the owner or an employee? In my experience, owners of home-inspection businesses care deeply about their work and the reports they produce because they are concerned about potential liability and ongoing business. In some cases, an employee may not perform as well as an owner-operator because employees have less at stake.
2. Does Your Inspector Have Errors & Omissions (E&O) Insurance?
E&O insurance is an important consideration, as it may help resolve claims against the inspector for items they may have missed during the inspection after close of escrow. Inspectors are not required to carry E&O insurance, so there is currently no reliable data on the percentage of inspectors who actually are insured. I have heard that it is in the 50% range; i.e., one out of two inspectors is insured. Consider asking prospective inspectors for a current declarations page of their E&O policy. The declarations page will reveal whether the inspector has a "claims made" or per-occurrence policy and what the coverage limits and policy periods are.
Some agents even ask that the inspector include the agent's and broker's names as "additional insureds" on the policy. This added layer of protection for the agent and/or broker will also sometimes help resolve and settle potential claims which arise out of the referral. For instance, an agent may not have to pay his or her own carrier's deductible if a claim arises and both the inspector and agent are asked to participate in resolution of the claim.
An inspector without E&O may have a broad range of reasons for not carrying insurance. Whatever the reason, consider referring an inspector who has E&O to provide greater protection and value for your client.
3. Does Your Inspector Use An Inspection Agreement?
Today, most inspectors have their customers (your clients) sign inspection agreements prior to the inspection. These agreements detail the ground rules, the inspector's scope of work, and items outside that scope. I myself have reviewed hundreds of these agreements, and most of them are fair. However, some have clauses that attempt to circumvent statutory and current case law. Consider getting your clients a copy of the agreement well in advance of the inspection so that they have a chance to read, consider, and digest the terms before signing. If you or your client have questions about the terms, don't sign until you get the answers you need.
It's common for some inspectors to try and limit their monetary risk by stating that their total liability for negligence, errors, or omissions is limited to the cost of the inspection report. This maneuver is expressly prohibited by statute, but inspectors sometimes cleverly navigate around that fact by limiting their liability to two or three times the cost of the inspection. See California Business & Professions Code § 7196. Although there are as yet no appellate court decisions testing these type of clauses which tiptoe around the statutory limitation, it is imperative that agents know what the inspection agreements say so they can allow their clients plenty of time to digest this information and make a well-informed decision.
Another common tactic inspectors use to reduce their liability is a reduction in the statute of limitations to bring an action against an inspector. California Business & Professions Code § 7197 states that an action may not be brought against a home inspector four years after the date of the inspection; however, some inspectors' agreements attempt to reduce this time period to one or two years. This tactic was addressed in the California appellate court case of Moreno v. Sanchez (2000) 140 Cal.App.4th 1315, which held that notwithstanding a contractual device to reduce the time period allowed in 7197, the delayed-discovery rule prevents an inspector from contractually reducing the four-year statute of limitations if the defect, error, or omission by the inspector was found or identified and the claim brought within four years of the date of the inspection.
4. How Does Your Inspector Handle Callbacks?
Callbacks are a fact of life. The first call or email you receive from your client stating that the inspector you referred "missed something" will probably be a frightening moment in your career. It can be a lot less disconcerning if you know the inspector is a stand-up business person, has a procedure to deal with these situations, and has E&O insurance. Make sure you know the procedure that your inspector has in place to deal with this situation. A smooth and simple callback procedure can calm nerves and get any necessary repairs underway before tempers rise and attorneys are called in.
In an ideal world, your clients would never have any difficulties with the inspector you refer them to, but, as an agent, you know that a trouble-free transaction is a rarity. If you want to demonstrate and improve your professionalism, add significant value to the services you already provide your clients, and significantly reduce potential risks for your clients, yourself, and your broker, keep these issues in mind and get answers to these key questions before you recommend an inspector. Doing your homework in this regard will give you a certain peace of mind, as you can be confident that you are recommending a high-quality inspector based on due diligence and professionalism.
What Does A Home Inspector Look For?
Home inspections are the key action a buyer can and should take when buying a new home. Failing to spend $3-400 to get a professional home inspection is like buying a used car without going for a drive and getting it checked out by your mechanic. You would never do that. The small cost of a home inspection to find out what you are really buying is the best money you will spend prior to the close of escrow. (If this is your first home, please read 10 Worst First-Time Homebuyer Mistakes.)
As a professional home inspector I have uncovered some horrors like sinking foundation, major water leaks, major mould conditions, failing roofs and leaning walls. To rely on the sellers disclosure is not very smart. Most sellers are very honest and will disclose all they know about the house but few of them are in the construction trade or have any knowledge at all about how things should be or not be. They may not even be aware of a major problem in the house as "it has always been that way" and it has never concerned them.
Imagine taking possession of the house and finding out the floor is sagging in one room due to a failing foundation or incorrect construction of the building. Would it not be worth paying $400 to save you that heartache? I think so.
Other advantages of the inspection are that it provides you with a bargaining tool in the negotiations on the price. You can ask the seller to fix certain things or give you a credit so you can take care of it yourself. Maybe the seller wont play ball but at least you know where you stand on the condition of the property.
Home inspectors vary in their knowledge and skill. This is one profession where you will definitely get what you pay for. Shopping around and taking the cheapest price is false economy. It is like asking your curbside mechanic brother to check out the new car you are going to buy. He may do a good job but he will not do as well as a trained professional mechanic. He will miss things, not out of anything malicious intent, just lack of knowledge. Same with a home inspector.
A good home inspection will take a couple of hours at least depending on the size of the house and its condition. After this inspection the inspector should take you for a walk through the house and show you all the things he found and answer all your questions. This is very important. The buyer is the one paying the inspector and as such the inspector needs to service the buyer and give them all the information they can. Showing the buyer the problems is way better than just having them read the report. When they see the problem in the physical universe they get to understand and ask questions. This should be the inspectors goal.
A good home inspector will have a computerized report with many photos of the problem areas and the positive ones as well. My reports typically run 25 - 30 pages long with a cover sheet and I email them out the same day. My reports also color code the problems. Red is Safety concerns, Green is Recommended upgrades, Purple is Further evaluation, Blue is Corrections recommended. All these different colors making it easy to scan the report for items of interest.
A good inspector will even tell the buyer about routine maintaince issues on the walk through. There is a lot the inspector can teach a home owner about the biggest purchase of their life so it is money very well spent.
No inspector is infallible and there are times some small thing will get missed. The inspection is a visual one only. It is looking for clues as to what is wrong, not the full cause of it. For example an uneven floor may be noted but the inspector may not be able to get under the house to find out what is wrong. He will recommend further evaluation by a profession in the appropriate trade.
This situation is also most likely to occur in a house that is still lived in when the cupboards are still full, floors are covered with furniture and the garage packed etc. Inspectors will not move the seller's property due to the liability issue. In the case of something getting missed or coming evident once the seller has moved out a professional inspector will come back free (or for a small charge if it is an area that was obscured) and re-inspect the omission. This will be a very rare situation but it does happen.
Another example may be a roof that leaks when it rains but was not obvious during the inspection. This can be problematic in low rainfall areas like southern California.
I recently came across one where the under counter cabinets in a kitchen were packed full and it was not possible to full inspect the area. Once it was emptied out there was a major mould situation from an old water leak. Where something like this is suspected ask the inspector if he will come back and re-inspect prior to the close of escrow. You may get charge an additional $75 or similar but it may well be worth it. I have seen homeowners deliberately hide defects too but this is rare.
A complete inspection should go from the dirt to the roof including under the house and the attic and include the following areas. Roofs are not always walked on due to hight or the type of roof covering. Clay tiles will break if walked on. In such a case the inspector will check from a window if possible or even binoculars if that will work.
Exterior · Exterior walls & fences · Foundation and basements · Grading and landscaping · Garage or carport - · Roof
Interior · Plumbing · Electrical · Heating, ventilation and air conditioning (HVAC) - · Water heater · Kitchen appliances (fixed ones only) · Laundry room - · Fire safety - · Bathrooms -
Home inspectors are generalists. They will note that the plumbing might have a problem, and will recommend that you hire a professional plumber to verify the problem. Termite damage, site contamination, mold, engineering problems and other specialized issues are not part of a home inspection (Learn how to find qualified experts in The Better Business Bureau's Tool Belt For Saving Cash.)
After the Inspection there are several options for you to pursue. a. You can walk away if the problem is more than you want to handle. b. You can ask the seller to fix the problems or give you a credit to do it yourself. c. If you have the knowledge and experience you can just take it as is and either fix it yourself or get it done professionally.
You can go to this site and read Do-It-Yourself Projects To Boost Home Value.)
You will have to come up with a few hundred dollars for the inspection but it will be well worth it and you will be glad to spend it if the inspector finds something that will kill the deal or cost more than you bargained for. Your home inspector is your friend. Treat him as such.