Home Inspector Insurance Sun City Roseville, CA
Posted in Qualified Home Inspectors in California on July 11, 2017
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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 Sun City 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 Sun City 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 Sun City 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 Sun City 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 Sun City Roseville, CA will also provide you with pictures of various elements to help you see and understand the true condition.
Which Type of Home Inspector is Required for Buying Real Estate?
Buying a new house? If you are like most people, this is probably the largest investment you will ever make. Most likely, one of the conditions of sale will be that you have a home inspection performed, usually within a few days, and are satisfied with the results. An analysis of the property, conducted by a specially trained and completely objective home inspector, can identify non-functioning systems, damaged building components, safety issues and poor-quality installations. But how do you find a good, objective home inspector?
Finding A Good Home Inspector
Most people don't know where to start looking and simply ask their real estate agent to recommend someone. Though this approach is certainly easiest, it may not provide the best inspector for you. Many home buyers look in the phone book for an inspector. Or do a search on the Internet. Or ask their friends and family for the name of an inspector they have used in the past. Which one is best?
Chances are you will not get to meet the person you hire before he or she shows up to inspect the house you are buying. Before this, your first contact will be on the phone. Here is your chance to ask questions and see if he or she is a good fit for you. Most people's main concern here is price. How much do you charge for a home inspection? Let me say, if you want a thorough inspection done on the property expect to pay at least $250.00, and maybe up to $600.00 or more, depending on where you live. If you pay anything less than this, plan to be disappointed.
Many inspectors offer what they call a "walk-through" inspection. Though inexpensive, the inspector is not going to go on the roof, or in the attic or crawlspace. Unfortunately, these are the very places where major (read expensive) problems are likely to occur. The inspection may be cheap, but you're probably not going to find out anything about the house you don't already know.
Experience Or Education
How long has the inspector been in business? Or what experience does he or she have? The assumption here is that if the inspector has been in business a long time or has more experience, he or she must be better than the other guy. While there is some validity to this, education is much more important. Someone may have been a roofer for years before becoming a home inspector. This doesn't mean he knows anything about plumbing, or electricity, or heating. We've all heard stories about horrible home inspectors.
Training through the local, community colleges in an accredited home inspection program is your first assurance that the inspector you are hiring is familiar with all aspects of a home. Second, make sure the inspector is a member in good standing with either ASHI (American Society of Home Inspectors), iNACHI (International Association of Certified Home Inspectors), and OAHI (Ontario Association of Home Inspectors) in Ontario. All these associations require a high level of training and continuing education to maintain their membership. Third, make your you can attend the inspection and ask questions. This is really the best way for you to learn all about the home's systems and maintenance requirements. And fourth, find your own home inspector!
When you sign an Agreement To Purchase, one of the conditions usually includes having a home inspection performed to your satisfaction to ensure there is nothing wrong with the home that may have gone unnoticed during your initial visit. Your real estate agent will want you to do a home inspection for your own protection, but mostly because it reduces their liability and satisfies their requirement for full disclosure. If you think about it for a minute, at this point, the real estate agent does not want to lose the sale and will not recommend any inspector that could jeopardize his or her commission.
In real-estate circles there are inspectors that are known as "deal-breakers". These are inspectors that are known to be very thorough and objective when examining a home. These inspectors don't go easy on a home. They are working for you, and only you, not the real-estate agent or the seller. This is the inspector you want to get. Unfortunately, you will never get a referral from a real estate agent for a "deal-breaker".
Find Your Own Home Inspector
Your best bet for finding a good home inspector that will work for you, is to ask your friends and family who they have used and recommend. Ask if the inspector they used uncovered any hidden problems or saved them money. You don't want an inspector that is recommended simply because he was easy going or cheap.
Look on the Internet. If you live in Leamington, Ontario, do a search for something like "home inspector Leamington Ontario". I suggest you include the province or else you end up with inspectors from the USA or UK. Look at all you find and call a few. The quality of the website more than likely speaks to the quality of the home inspector.
Look in the phone book. Here you will find inspectors that have been around for awhile or are part of a franchise. Many of the best inspectors don't advertise in the phone book as all their work comes from word-of-mouth. Again, ask people you know.
The bottom line is that you should find your own home inspector. If your real estate agent discourages you from using your own inspector, or insists you use one of their "recommended" inspectors, then that agent is not looking out for your best interests. Remember, this may well be your home. Protect your investment. Find your own home inspector.
What Does A Home Inspector Do?
Choosing the right home inspector can be a daunting task, especially if you have never hired one before. When you are finished with this article you should know what questions to ask when interviewing prospective inspectors.
Since all licensed inspectors are required to adhere to the same standards, many people believe all home inspectors are equal. Nothing could be further from the truth. If two inspectors were to inspect the same house, the inspection reports and findings could be quite different. Simply stated, some inspectors try harder, are more experienced, and are more thorough than others. For example, some inspectors examine the roof by walking on it, climb up into the attic and into crawl spaces under the house while others don't. Which is why you should attend your inspection, to make sure the inspector is doing their job. Here are some other factors you should consider when choosing the right home inspector:
Home Inspectors Licensing- Verify the inspector is properly licensed. Most states require home inspectors to be licensed, check with your state's real estate board to find out.
Home Inspector Experience- It may surprise you to learn that anyone can become a licensed home inspector, and in very little time. While experience in the construction industry is very helpful, it is not required. This may change in the future, but as of now, a person just has to attend the required hours at an approved home inspection school and pass the state home inspection test and they are considered a professional home inspector, although they have never inspected a single home in their life. The inspector you hire may be performing their first inspection ever.
Professional Affiliations- Most home inspectors join a professional organization to take advantage of the benefits and sharpen their skills since these organizations also require continuing education hours for membership. Inspectors can also learn from each other at meetings and conventions. Texas Law requires home inspectors to complete 16 hours of approved continued education per year. The most prominent of these associations are ASHI, NAHI, NACHI and TAREI.
Insurance- Texas recently adopted a new law requiring home inspectors to carry a minimum of $100,000 of professional liability insurance. This is required at license renewal, so at this time, some Texas home inspectors may not carry it yet.
Ask to see a sample of the inspector's report - This should give you an idea of how thorough the inspections are and if the inspector includes pictures of defects. Most inspectors use computer generated reports and some post them on their website for you to review, or he or she can email you a copy.
Should I Choose an Inspector Referred by a Realtor? - That really depends on how much trust you place in your agent. Some agents want you to use an inspector who does a quick inspection and writes basically nothing in the reports so the transaction goes through fast and easy. More professional agents want you to have the best inspection possible, after all it's their reputation on the line when they make referrals. If you are unsure if you should let the agent choose the home inspector for you or not, then seek out your own.
Don't Choose the Cheapest Inspector - Please believe me when I make that statement. I get calls from potential clients daily. Many times price is the first question they ask about. I don't think it's because people are cheap, I think it's because they don't know what else to ask. While I understand that no one wants to pay more than they have to, you do get what you pay for. The cheapest inspectors are usually new, inexperienced, or ones performing inspections as a sideline. I know of one customer who was determined to hire the cheapest inspector she could find. After the sale she discovered her insurance company would not insure her roof because the shingles were installed over old wooden shingles, which were clearly visible from the attic. She wound up paying for a whole new roof (about $6,000), all because she tried to save a mere $25.00 in inspection fees. The average cost of a home inspection in the USA is $380.00 (USA Today... Friday, January 13,2006)
Here is a list of questions I've put together for you which you can use when interviewing potential home inspectors:
1. How long have you had your license and been inspecting homes? 2. Do you carry Errors and Omissions (E & O) insurance? 3. On average, how long does it take you to perform a typical home inspection? Through inspectors will take about three hours on a typical home. 4. How long does it take for me to get my inspection report back from you in electronic format? 5. Are you a member of a professional association? 6. Do you perform re-inspections on repaired items? If so, for how much? 7. Do you mind if I follow along while you inspect? Your inspector works for you and should allow you to learn as much about the house as possible. 8. What is your inspection fee? If the inspection fee seems too low, you may not get a thorough inspection. 9. Do you have any references I can speak to?