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Are You Paying Too Little for a Home Inspection?
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Choosing a home inspection company based upon the fee is the worst way to choose who will help you finalize your decision on buying a home. Home inspection is no longer some “Bubba” working solo out of his truck. It is a serious business and you need to choose a home inspection company wisely. A home inspector offering a low fee is a red flag to look into.
People who own and operate a home inspection company as a serious business offer many benefits and protections that less serious inspectors can offer.
Error and Omissions (E&O) insurance is a large expense for companies offering this. E&O is the insurance that comes into play if something expensive was missed during the home inspection and it needs repaired, such as a major foundation issue.
Other benefits and protections that can be offered for 90 days are: warranty on the mechanics such as furnace, etc, sewer line warranty, discovered mold, recall research on major appliances, and a termite protection plan. One of the newer protections for home buyers provided by top level home inspection companies is a 5 year roof leak protection plan.
These benefits and protections for home buyers do have costs that naturally are passed on in the cost of business. If a home inspector offers a fee that is low there is a very good chance that they do not provide E&O insurance or any of the other protections. Other protections that can be offered to a home buyer are: 90 day warranty, sewer line warranty, roof leak warranty, a radon plan, discount on a second inspection if a person does not buy the first place, a 200% money back guaranty, termite plan, check appliances for recalls, mold warranty, same day report delivery, pictures in the report for easy reading and provide ongoing consultation and home ownership materials for you.
Checking the company for the quality and quantity of reviews they have on places such as Listen360, Google and Yelp is also very valuable information. Having a large number of reviews that are consistently providing good to great comments is far more telling than the one positive or perhaps even the one negative.
Deciding who to use is an important decision and it should not be based upon finding the cheapest. Buying a home is not a cheap event. It is not the time to short change yourself and add risk to yourself by using a company that does not offer you the protections you and your family need. Be careful who you use and do not use the cheapest because they are cheap for reasons.
