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About Home Inspections
Timing of the Home Inspection
Selecting a Home Inspector
During the Home Inspection
Other Inspections and Tests to Consider
About Home Inspections
A standard home inspection is a visual examination of the physical structure and major interior systems of a residential building consisting of one to four dwelling units. An inspection can be likened to a physical exam by a physician; however, it should be clearly understood that a home inspection is not to be confused with an appraisal, a building code inspection, a guarantee of any kind, and/or an insurance policy on the condition of the property.
During an inspection, the inspector will review the readily accessible exposed portions of the structure of the home, including the roof, the attic, walls, ceilings, floors, windows, doors, basement, and foundation as well as the heating/air conditioning systems, interior plumbing and electrical systems for potential problems.
Home inspections are not intended to point out every small problem or any invisible or latent defect in a home. Most minor or cosmetic flaws, for example, should be apparent to the buyer without the aid of a professional.
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Timing of the Home Inspection
In New York a home inspector is typically hired by a potential homebuyer
right after the offer to purchase is accepted, but prior to executing
the final purchase and sales agreement. However, he/she should be
sure that there is an inspection clause in the deal memorandum making
the purchase contingent upon the findings of a professional home inspection.
This clause should specify the terms to which both the buyer and seller
are obligated.
Selecting a Home Inspector
Good referral sources for home inspection services are friends, neighbors, or business acquaintances who have been satisfied with a home inspector. In addition, lawyers and mortgage brokers may also recommend a home inspector. The names of local inspectors can be found by searching the Department of State Professional Licensure website at http://appsext8.dos.state.ny.us/lcns_public/chk_load, or in the Yellow Pages where many advertise under "Building Inspection Service" or "Home Inspection Service."
Real estate brokers and salesmen may not directly recommend a specific home inspection company or home inspector unless representing the buyer as a buyer's broker. Brokers, however, may provide assistance to buyers in accessing information on licensed home inspectors.
A current home owner may also want to get a home inspection to identify any problems, especially if the owner plans to sell the home in the near future.
Following are additional tips when searching for a home inspector:
- The home inspection company that is retained should welcome the potential buyer's presence at the home inspection. The home inspector should be willing to address all of the buyer's questions and provide a full verbal and written report.
- Those hiring an inspector should expect an open door policy from the home inspection company to be able to ask questions about the content of the home inspection report in the future.
During the Home Inspection
While not necessary, it is highlyrecommended that the buyer be present
for the inspection. This allows the buyer to observe the inspector,
ask questions directly, and obtain a better understanding of the condition
of the home, how its systems work, and how to maintain it. The written
report may be easier to understand if the buyer was present during
the inspection.
It is important that safe access and sufficient lighting is provided so that the inspector can inspect the property.
Inspectors must provide a written evaluation report based on the standards of compliance in accordance with General Laws.
At the conclusion of the home inspection, the buyer should be well informed of the condition of the home. It should be known if there are visible, apparent problems, if repairs need to be made, or whether or not there are any risks of concealed damage, and whether further investigation is recommended and/or required.
Other Inspections and Tests to Consider
It is strongly recommended that potential buyers consider having the following inspections and/or tests performed prior to signing the final purchase agreement:
- Lead paint, the seller, under NY law shall disclose if the property
has been inspected for lead paint and provide copies of any lead
paint reports concerning the residential premises or any dwelling
unit built prior to 1978, therein if they exist.
- Water quality ( is it drinkable)
- Wood destroying insects, including termites
- Air quality, including radon gases
- Fungi, mold and allergens
While some home inspectors are qualified to offer these services, these inspections
and tests are not part of the basic home inspection and should
be contracted through qualified licensed professionals in those fields. |
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