It’s important to understand the structure of the home you’re buying, whether it’s a new or old home. There are many different steps that go into buying a home, and hiring a home inspector is just one of them. Make sure you know the right questions to ask the inspector so you are aware of items that either need repair or could cost more than you planned on spending. Here are a few questions to ask your home inspector when buying a new home.
1. Where Can I Find a Home Inspector?
If you’re working with a real estate agent you trust, ask them for suggestions on home inspectors. Have them explain the inspection process and your rights in the agreement. On the other hand, if you’re not familiar with the real estate agent, you may want to find an independent inspector who doesn’t have the real estate agent’s best interest in mind.
Alternatively, you can ask family or friends for referrals or look for an inspector through an accredited affiliation such as the National Institute of Building Inspectors, the American Society of Home Inspectors, or the International Society of Certified Home Inspectors. Ask your inspector about their experience to find out what they do and do not know. They should have inspected at least 250 houses in order to be considered an expert.
2. What Does a Home Inspection Cover
According to the Standards of Practice, each state has a list of certain requirements your home inspector should follow. Have them show you how to work things like your thermostat, water heater, stove, dishwasher and have them explain to you what they’re looking for. The typical home inspection should include the following:
- Heating and cooling systems
- Electrical system
- Interior plumbing
- Exterior surfaces
- Structural elements
3. What Areas Should I Inspect When Buying a Home?
In general, the inspector is more focused on the house than the grounds. Since they’re not able to see inside the walls to look for things like water damage, asking them for advice about the interior of your walls might uncover things you weren’t aware of before you buy. The areas below may not be covered by a home inspection; however, they might be worth asking the inspector if he has special licensing to address these issues or if he thinks you should have a certified specialist evaluate these areas.
- Pest control
- Swimming pools
- Radon gas
- Lead paint
- Toxic mold
4. Should I Make Repairs?
Ask your home inspector if the damage or repairs are absolutely necessary and if he would invest in them if it were his own house. The whole purpose of their inspection is to know what you will be financially responsible for so there are no surprises. Inspectors are not responsible for making sure your house is up to code compliance, or if the home has the latest technologies and safety standards. Ask if the roof is in good condition, and if the roads on your street are newer as this could affect your homeowners insurance policy.
Once you know what you’re buying, it’s important to understand the homeowners insurance coverage you need to protect your investment. Personal Express Insurance has a variety of affordable coverage options to protect your home. Find out what your homeowners insurance policy should cover today. Buy local and buy direct by calling 1-800-499-3612 or by visiting one of our friendly experts for world-class personalized care.
What Coverage Options Does Personal Express Offer?
- Other Structures
- Personal Property/Replacement Cost
- Personal Liability
- Medical Payments
- Homeowners Plus
- Extended Dwelling Replacement Cost
- Scheduled Personal Property
- Building Ordinance and Law
- Identity Theft Coverage
- Equipment Breakdown Coverage
- Earthquake and Flood Coverage