“This malpractice-type insurance protects the inspector (and indirectly the home buyer and those referring the inspector) against post-inspection legal problems.” General liability covers personal liability not covered by the basic E&O policy and worker’s compensation covers the safety of the inspector during the inspection.ģ Does your firm offer a written guarantee on the inspection? Make sure they have Errors and Omissions Insurance. When considering a particular inspector, ask for at least three references and check them out.Ģ Are they bonded and insured? Do they carry all the necessary insurance, including professional liability (Errors & Omissions or “E&O”), general liability, and worker’s compensation? Plus, you can find a good inspector by getting a referral from a satisfied customer. Many independent inspectors only work on a part-time basis to supplement their real businesses as contractors, roofers, etc., and their report findings might be suspect. Make certain it is! That’s the only way to avoid any potential conflicts of interest. Home inspectors in the state of Colorado are not certified or licensed by any entity, but they should be members of the following organizations that provide requirements and education for inspectors: Insulation and Ventilation (attics, walls, floors, foundations, kitchen and bathrooms, etc.).Interior (partitions, ceilings, floors, railings, doors and windows, etc.),.Air Conditioning and Heat Pumps (cooling and air-handling equipment, controls and ducting, etc.).Heating (equipment, safety controls, distribution systems, chimneys, etc.),.Electrical (wiring, main service panels, conductors, switches, receptacles, etc.),.Plumbing (piping, fixtures, faucets, water heating and fuel storage systems, etc.),.Roofing (coverings, flashings, chimneys, etc.),.Exterior Components (siding paint, windows, decks, garage doors, etc).Structural Components (foundations, floors and walls),.Specific household systems can include, but are not limited to the following: Most professional inspectors should be fully trained in the proper operation of commonly found systems in the home. The inspection will help you gain a better understanding of the overall condition of the property from an objective point of view. A home inspection is a visual and mechanical examination of the physical structure, vital major mechanical systems and appliances of a property.
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