The purchase of a home is probably the largest single investment you will ever make. So it's important to learn as much as you can about the home and the condition of the property before you buy. After all, if you find out the home needs major repairs, you might just reconsider buying it. That's why a home inspection is so important.
But what happens if there's a problem with the inspector? What if something in your home is damaged? Should you be there? What are your rights?
According to the American Society of Home Inspectors (ASHI), it's not necessary for you to be present for the inspection, but it is recommended. Not only will you be able to observe the inspector and ask questions directly, but you're also there in the event something unexpected does happen.
And, as an added bonus, you'll be able to learn about the condition of the home, how its systems work, and how to maintain it. You will also find the written report easier to understand if you've seen the property first-hand through the
inspector's eyes.
What does an inspection cover?
A typical inspection covers the major components of a house, including the structural system, exterior, roof system, plumbing system, electrical system, heating system, air conditioning system, interior, insulation, ventilation, fireplaces, and solid-fuel-burning appliances.
It also notes the positive aspects of a home, and lets you know about the maintenance required to keep it in good shape. After the inspection, you'll have a much better understanding of the property you are about to buy.
According to the American Society of Home Inspectors, a home inspection is an "objective visual examination of the physical structure and systems of a home, from the roof to the foundation."
The standard home inspector's report will review the condition of the home's heating system, central air conditioning system (temperature permitting), interior plumbing, and electrical systems; the roof, attic, and visible insulation; walls, ceilings, floors, windows, and doors; the foundation, basement, and
visible structure.
How much is it?
The inspection fee for a typical single-family house will vary, just like the cost of housing. The cost also depends on the size of the house, its features, how old it is, and possible additional services like testing septic systems, wells, or swimming-pool equipment.
An inspector is familiar with the elements of home construction, proper installation, and maintenance. An inspector is trained to understand how the home's systems and components are intended to function together, as well as how and why they fail. And, a third party will give you the most objective view of the home.
If there's a problem …
The Texas Real Estate Commission (TREC) accepts written and signed complaints against real estate brokers and salespersons; real estate inspectors; residential service companies; timeshare developers; easement or right-of-way agents; and unlicensed persons engaging in any of the above activities.
If you have a complaint about an inspector, Texans can file it with TREC. Grounds for complaints might include acting dishonestly or fraudulently; performing an inspection in a negligent or incompetent manner; or violating the standards of practice for licensed inspectors. For more information, visit www.trec.state.tx.us.
Finding a home inspector
Besides the Yellow Pages, good sources are friends or those who have been satisfied with and can recommend an inspector. Your REALTOR® will also be able to provide you with a list of names in your area.
Whatever your referral source, make sure the home inspector is licensed in Texas. You should also ask what type of training the inspector has, whether he belongs to a professional inspector association, and whether you will be able to call the inspector with questions that come up after the inspection. Hire a good inspector and you will gain insights into the quality and condition of a home that you may not have otherwise discovered on your own.
