Essential Considerations When Hiring a Home Inspector
Congratulations on finding a home and having your offer accepted! Before finalizing the purchase, it's crucial to conduct a home inspection to ensure you're making an informed decision. Including an inspection as a contingency in the purchase agreement is a wise move, as it helps uncover potential issues with the property. If you're a first-time homebuyer, you may be unsure of what to look for in a home inspector or how to choose the right one. Here are some key points to consider before hiring a home inspector.
Seek Referrals and Check Reviews
Start by reaching out to friends and family members who have recently purchased a home and ask for their recommended home inspectors. Their firsthand experiences can be valuable in finding a trustworthy inspector. It's also important to check online reviews on platforms like Angie's List, Yelp, and Google to gauge the reputation and quality of the inspector's services. By combining personal referrals with online reviews, you can make a more informed decision.
Interview Potential Candidates
Once you have a list of reputable home inspectors, contact them to ask a few important questions before making your decision. Here are some key questions to ask:
Are you certified and licensed? Although certification and licensing requirements vary by state, it's generally advisable to choose a certified inspector who has completed professional training.
Are you insured and bonded? Insurance coverage protects both you and the inspector in case of errors or omissions during the inspection process. Without proper insurance, you may be liable for any resulting damages.
Are you a full-time home inspector? Opting for a full-time inspector indicates their experience and expertise, as it suggests a consistent demand for their services.
How long will the inspection take? A thorough inspection usually takes a minimum of two hours. If an inspector completes it much faster, they may not be devoting sufficient time to assess the property.
Will you provide a comprehensive inspection report? Inquire about the contents of the report, including whether it includes photographs. Ask for a sample report to assess its clarity and completeness. Also, clarify the expected timeline for receiving the report, typically within 24 hours of the inspection.
Are you a member of a professional home inspector association? Membership in reputable associations like the National Institute of Building Inspectors (NIBI), American Home Inspectors Training (AHIT), American Society of Home Inspectors (ASHI), or National Association of Home Inspectors (NAHI) indicates a commitment to professional standards.
How do you stay updated in your field? Inquire about the inspector's continuing education and training to gauge their commitment to staying current with industry practices.
Can I get references from your previous clients? Contacting recent clients provides valuable insights into the inspector's performance and professionalism.
Watch Out for Red Flags
During the inspection, it's essential for you to be present. If an inspector discourages your presence, it could be a red flag. Being on-site allows you to observe any potential issues firsthand and ask questions. Additionally, be cautious if an inspector offers to perform repairs based on their inspection findings, as it may indicate a conflict of interest.
Understand the Scope of the Inspection
Before the home inspection, familiarize yourself with what will and won't be covered. The American Society of Home Inspectors provides Standard of Practice and Code of Ethics guidelines that outline the expectations for a home inspection. Generally, inspections focus on visual aspects and may not extensively cover underlying structural issues. Typical items covered include central heating, cooling systems, insulation, plumbing, electrical systems, roof, and walls. However, some features like warped floors, odors, septic tanks, and landscaping may not be part of the inspection.
Evaluate the Cost
Home inspection costs can vary based on factors such as location, property size, and the extent of inspections required. While it's essential to consider your budget, prioritizing the inspector's experience and qualifications is crucial. Choosing the lowest-priced option solely based on cost may lead to inadequate inspection services. Remember that a thorough inspection can save you money in the long run by identifying potential costly repairs.
By seeking referrals, conducting interviews, being present during the inspection, understanding the inspection scope, and evaluating the cost, you'll be better equipped to select a qualified home inspector who can provide valuable insights into your potential home's condition. Taking these steps will help you make an informed decision and ensure a smooth homebuying process.