Termite Inspection For Home Purchase In Hillsborough North 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 Hillsborough North 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 Hillsborough North 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 Hillsborough North 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 Hillsborough North 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 Hillsborough North Roseville, CA will also provide you with pictures of various elements to help you see and understand the true condition.
What Does A Home Inspector Do?
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 Happens At A Home Inspection?
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.