Home Inspections Aren’t Insurance
A home inspection is meant to improve your chances of not buying a "money pit," but it’s not foolproof. It can’t eliminate all risks, so it shouldn’t be seen as an insurance policy.
Think about it this way: if an insurance company offered a policy with no deductible, no limit, and indefinite coverage, the premium would be way higher than our inspection fee. Plus, that policy wouldn’t provide the added value of the insights and advice we offer during the inspection.
Our goal is to give you a solid overview of the home's condition to help you make an informed decision, not to guarantee that you won't face any issues down the line.
Why Didn’t We Catch That?
You might hear contractors say, “I can't believe the inspector missed this problem.” There are a few reasons why this happens:
Contractors Don’t Always Know the Scope of Our Work: Many contractors have no idea what’s included in a standard home inspection. Our inspections follow strict guidelines set by the Florida Statutes § 468.8323 (2023) and the Standards of Practice in Florida Administrative Code Rule 61-30.801 (2023). These rules clearly outline what we should and shouldn’t inspect.
However, most contractors aren’t familiar with these standards. So, when they find an issue later, they might blame the inspector, even if it was something outside the scope of our inspection. This is a common misunderstanding, and it's important to know that not every issue falls within what we’re required to inspect. Our goal is to follow these standards and to give you the best possible assessment based on the rules we’re given.
Comments