|
|
|
|
|
|
|
| |
|
|
|
|
What is a home inspection?
|
TOP
|
|
|
A home Inspection is a visual examination of a home conducted in a
non-invasive and non- destructive manner. It is a process of risk minimization
not elimination.
While it is Buyers who typically engage the services of a professional home
inspection company, in reality both Buyers and Sellers benefit from the
service. All parties to a real estate transaction want things to go smoothly
with a minimum of surprises and unexpected costs or delays. For the Buyer, the
home inspection provides an objective and unemotional analysis of the condition
of the property. The inspection is conducted by a professional with years of
experience who, generally speaking, has a far greater understanding of the
complexities of construction and house systems than the typical home Buyer or
Seller.
The home inspection not only reduces the stress and risk of home purchasing,
many times it saves the transaction by keeping all parties informed. Most major
defects found during an inspection were not known to the Sellers, and many
times Buyers may decide not to buy a house once defects are found. Sellers who
are wise enough to have their home inspected prior to placing it on the market
enjoy a number of tangible benefits:
(1) You have more control over determining the type of repair and its cost;
(2) You eliminate the risk of a Buyer getting cold feet over unexpected repairs
because you have anticipated the problems and eliminated them before they
became an issue;
(3 ) You escape being forced into renegotiating the sale terms or having to
schedule repairs under tight time constraints or contract deadlines.
It takes about three hours to conduct a thorough home inspection, and the cost
is modest. It is definitely time and money well spent.
|
|
What is covered by an inspection?
|
TOP |
|
|
Each
Buyer or Seller will have different needs depending upon the property in
question. Home inspection companies offer a wide range of services and are
flexible in adjusting their services to accommodate the specific needs of
either the Buyer or the Seller. A typical home inspection covers a thorough
visual and non-invasive inspection of the major structural elements and systems
of the home that are accessible. The following list represents, but is not
necessarily limited to, the concerns addressed in each area being inspected:
Basement structure - Water penetration,
water damage, structural integrity of walls, insect damage, structural
integrity of support systems, window condition, floor condition, and condition
of finished walls and ceilings;
Crawl space structure - Water
penetration, water damage, ventilation, structural integrity of walls, support
systems, insect damage and insulation including defect locations and overall
condition;
Slab Structure - Water seepage into
ducts (under slab), settlement and cracks;
Exterior - Walls, soffits and fascia,
gutters, roof, flashing, skylights and chimney(s);
Grounds - Walks/steps, driveway, patio,
porch, retaining walls, railings, balconies and drainage;
Roof - Type, condition, leakage, age,
replacement probability;
Attic - Structure, roof decking,
insulation, ventilation and water penetration;
Plumbing Systems - Water lines, waste
pipes, vent pipes, fixtures and faucets, caulking and grouting, drainage, water
pressure, water heater and gas pipes;
Electrical Systems - Amp rating,
voltage, breakers, fuses, main panel, sub-panels, main service wire, branch
wire, switches and receptacles, light fixtures, door bell and smoke detectors;
Air Conditioners - age, condition, type,
ductwork, airflow, filter, thermostat;
Furnace / Heaters - Heat exchanger,
burners/elements, blower fan, ducts, airflow, filter, flue pipe, humidifier and
thermostat;
Appliances - Operation of: Range, oven,
exhaust fans, refrigerator, dishwasher, in-sink disposal and trash compactor
(Note: Not all inspection companies survey appliances);
Interior - Walls and ceilings, floors,
steps and stairs, railings, doors, windows, and fireplace.
|
|
What is not covered by an inspection?
|
TOP |
|
|
The following items are typically excluded from a standard
inspection, but most of them can be included for a modest additional fee:
• Radon
• Water testing
• Septic systems
• Well
• Sprinkler systems
• Pools and spas
• Asbestos
• Insect infestation
• Water softeners
• Security systems
Since many home inspection companies differ widely in the size of their staff,
their equipment and the extent of the contracted service they provide, it is
important for Buyers and Sellers to engage in a thorough discussion beforehand
of the scope of service offered and the nature of any exclusions. See the
section in this booklet titled, “What Inspection Services Are Needed”,
for an overview list of the major elements of an inspection.
|
|
Types of inspection services needed:
|
|
|
|
Whether buying or selling, a home inspection by professionals offers peace of
mind and investment protection. A typical home inspection will include a survey
and analysis of all house systems including heating and cooling, electrical,
plumbing, appliances, interior and exterior structure, roof, doors, windows,
attic, basement and crawl spaces. The goal is to uncover as well as anticipate
any problems that may affect the closing process, or involve significant cost
to repair, replace or remedy.
In addition to the standard home inspection, most houses should be inspected
for wood destroying organisms, (this is commonly referred to as a "termite
inspection," or WDO), and should reveal any active infestation and/or visible
damage resulting from invasion of wood destroying organisms. Most mortgage
companies require this type of inspection. It must be performed by a company
specifically licensed to do WDO inspections.
|
|
Attending the inspection - who's invited?
|
TOP |
|
|
Ideally, all parties to the transaction should try to attend the
inspection. This includes buyer, seller, and Realtors, but not friends,
relatives and children. Remember, the home inspection process is not a showing.
It is also important to coordinate with all parties to set a firm date and time
for the inspection. To avoid undue stress on the sellers, especially if they
are still living in the home, all due courtesy should be extended to them by
Realtors and buyers alike to not arrive early, but rather to be punctual as to
the time agreed upon. If persons other than the buyer and seller and their
spouses want to attend the inspection, permission should be obtained first.
Normally, the Real Estate Agent will set the time for the inspection
appointment and confirm that all utilities are on.
|
|
What does the buyer need to bring to an inspection?
|
TOP |
|
|
The inspector will bring all the necessary tools and equipment to
perform the inspection. However, if the Buyer wishes to have an active
participation in the process, it is recommended that the Buyer bring a note pad
and pen to write down observations and comments by the inspector for later
discussion. A tape measure might also come in handy to measure clearances and
dimensions such as the opening for a refrigerator. Although not necessary, some
Buyers may want to follow the inspector into attics and crawl spaces. Should
this be the case, the Buyer should bring a flashlight and wear jeans or work
clothes. Because of liability and insurance concerns, most inspectors will not
allow Buyers to walk the roof, attic or other areas that would place the Buyer
in harm’s way.
|
|
What should be expected from the inspector?
|
TOP |
|
|
Upon arrival, the inspector will briefly outline the elements of
the inspection, clearly defining what will and what will not be inspected to
ensure that all parties understand and are in agreement regarding the level of
service that has been ordered. This is all outlined in the pre-inspection
agreement. If not previously signed, the inspector will ask for the inspection
agreement to be read and signed. The agreement will clearly specify limits of
liability, areas of exclusion from the inspection, limitations of the
inspection service, etc.
The Buyer should feel perfectly comfortable following the inspector throughout
the house during the inspection and ask questions. The inspector should not
only inform the Buyer of defects and areas of concern, but should also walk the
Buyer through routine maintenance items such as furnace filter changes,
humidifier servicing, where the main water and gas shut-off valves are
located, thermostat adjustments, etc.
|
|
How long should an inspection take?
|
TOP |
|
|
This will depend on the type of home being inspected. Older homes
and larger homes tend to take longer than newer or smaller homes. Additional
services will also add to the inspection time such as pool inspections, termite
inspections etc. As a good rule of thumb, it is wise to expect the inspection
to take approximately three hours.
|
|
How much should a home inspection cost?
|
TOP |
|
|
The fees for professional home inspectors will vary from company to
company. It is important to remember, however, that it is the inspector’s
experience and ability to identify defects that will ultimately protect you
from potential hidden liability. The services of a veteran inspector of many
years experience will undoubtedly cost a little more than less experienced
inspectors, but the value of their increased knowledge will greatly exceed the
modest additional cost. In today’s market, the cost to repair or remedy a
missed defect far exceeds the tiny premium paid for the very best in inspection
services.
Beware the discount inspectors! They frequently have minimal experience and are
not properly insured. Many tend to leave the inspection industry as fast as
they enter it. Veteran inspectors on the other hand with hundreds or thousands
of inspections typically have been in a house of similar construction or style
as yours and can immediately identify with the potential issues. They may also
bring historical neighborhood data with them such as common plumbing, roof or
siding issues that originate back to original construction. This invaluable
data and knowledge is gained only through many years of experience.
Remember, you are about to embark on the largest investment of your life.
Choose your inspector with confidence and one that will be there if and when
you need them!
|
|
When should you pay the inspection fees?
|
TOP |
|
|
Payment is usually expected at the end of the inspection unless
other arrangements have been made. Usual forms of payment are check or cash.
Some inspection companies accept major credit cards. To avoid
misunderstandings, ask the inspector beforehand which method of payment is
preferred.
Most inspection companies will not invoice their fees with the closing because
it can be construed as a conflict of interest. Inspection companies should not
benefit in any way by a real estate closing. While very rare, there are always
unscrupulous companies in every industry that may be tempted to gloss over
their findings for fear of not getting paid at a later date!
|
|
What happens after the inspection?
|
TOP |
|
|
If defects are found during the inspection, the seller may be asked to repair
those items. Typically, the inspection procedure follows this process:
(1) Inspection is performed within a specified time (generally written in the
purchase agreement or contract, typically within 10-15 days);
(2) The Inspection Report & Photo Journal are delivered to the Buyer;
(3) The Buyer (with REALTOR®) decides which (if any) defects he/she wishes the
Seller to repair. This is put in writing and sent to the Seller through the
REALTOR®. NOTE: If a particular defect is not understood by the buyer, seller
or the repair contractor, a brief call to the inspector will normally clarify
the issue. Keep in mind that the inspector speaks only from what the inspection
report states and not what the Buyer has asked the Seller to repair. Make sure
the details of the report are understood;
(4) The Seller or Listing Agent (Seller’s Realtor) responds in writing to the
Buyer agreeing or disagreeing regarding the repairs requested;
(5) Repairs are performed. Receipts would then be presented to the Buyer, and
in many cases, a reinspection may be performed before closing on the sale.
Repairs should be completed by licensed contractors in their respective fields.
|
A typical menu of inspection services: Pre-sale home & building
inspections
• Pre-listing home & building inspections
• New construction monitoring inspections
• Commercial building inspections
• Stucco/Siding inspections
• Licensed termite inspections (WDO)
• Expert witness testimony
• Water analysis for bacteria, nitrates, nitrites and lead Optional Areas of
Inspection:
• Radon testing (e-perm and continuous radon monitors)*
• Swimming Pool • Hot tub • FHA/VA certifications
• Sprinkler system • Lead testing
• Well and septic inspections** • Bulkhead/boat dock
* The sewage disposal system, if not municipal, will be some type of septic
system. An inspection of the septic system should be conducted by a licensed
septic contractor. Older septic systems may prove problematic, especially if
the number of people living in the home has greatly increased.
** Although Radon testing is not required by most lenders in the area, Radon
poses a possible health risk in many other areas of the country and should be
considered for inspection. (See more about Radon in the Home System Information
section in this booklet, page 9.) Most relocation companies and many buyers
however, will request this test.
|
|
What should the home inspection report look like?
|
TOP |
|
|
Depending upon the company, a hand-written or computer generated
report may be presented at the end of the inspection, delivered later, or
electronically mailed. In some cases, the report may contain detailed
photographs of the house and any defects or problem areas found. Ask your
inspection company if they provide this photo service. Many times a good
photograph can help clarify and quickly resolve an issue, especially for
clients with limited construction or home ownership experience.
Some companies combine their reports with home owner inspection manuals such as
the HOME GUIDE, which includes as much as 200 pages of home maintenance tips
and additional information to better understand the home inspection report.
|
|
Home inspections & the seller's responsibilities:
|
TOP |
|
The
prospective purchaser of your home will usually order a thorough inspection by
a professional inspection company. Here are some suggestions and guidelines for
dealing with the inspector and the results of the inspection.
Access
Anticipate that the inspector will walk through your entire home. Make every
effort to clear storage items, boxes, etc. that may hinder access to electrical
panels, attics, basements and crawl spaces. A parked car that blocks attic
access over the garage area, for instance, may mean a return trip which is
costly and inconvenient to everyone.
System & Procedure of Inspection
Every inspector will have a proven system that they will repeat at every
inspection. This inspection system is one of the ways that is used to detect
defects, potential issues and limit liability for all. For example, the
inspector may start on the exterior and move clockwise around the house and
then move to the interior starting from the kitchen. Let the inspector do his
job. Do not limit him to time constraints or ask him to do certain areas first
because you have to leave. While all professional inspectors will not allow
themselves to be pressured for time, most will be more than happy to
re-schedule the inspection to a more convenient time if you cannot allow access
for the time period necessary.
Electrical Bulbs & Light Fixtures
Replace burned-out bulbs and/or install bulbs in all light fixtures prior to
the inspection.
Pets
If you have a pet that is easily excitable, dislikes strangers, or is prone to
bite someone, put it in a cage, or perhaps remove it from the property on the
day of the inspection. If you will not be attending the inspection and have a
pet that should not be let out of the house, or should be confined to a
particular part of the house, leave a note to that effect on the front door.
Also, it helps to know the pet's name to put it at ease.
Communicating with the Inspector
We recommend the following:
• Do NOT make verbal representations about the condition of the home.
• Do NOT negotiate with the inspector over his findings.
• Do NOT hide defects. This could result in future liability.
• Do NOT expect to know the results of the inspection immediately. The
inspection report (if paid for by the Buyer) is confidential for the Buyer. In
most cases, a copy of the inspection report will be made available to the
Seller or Seller's Realtor® at a later date.
• If possible, do not interfere with the inspector and the buyer. The inspector
is there both to assess the condition of your home and to provide reassurance
to the Buyer. Interference by the seller/homeowner normally makes the new home
buyer more apprehensive because they sense the existing owner is trying to hide
something.
Radon Inspection Preparations
If a Radon inspection is to be performed, there are guidelines from the
Environmental Protection Agency (EPA) which the Seller should follow prior to
and during the testing. You will be asked to sign a document validating your
having complied with these guidelines.
• Windows are to be closed 12 hours prior to and during the test period. Window
closing may be delayed until the beginning of the inspection if the testing
period is extended (96+ hours).
Crawl space vents are to be closed during the test period.
• All doors should be kept closed (except for normal entry and exit).
• Fireplace dampers should be closed (fireplaces and wood-burning stoves should
not be in operation during the test period).
• Exhaust fans (kitchens & bathrooms) should be used only when absolutely
necessary. Use of Jenn-air grills should be avoided during the test period.
• The radon testing units must not be touched, moved or tampered with in any
manner during the test period.
|
|
What defects are the seller's responsibility?
|
TOP |
|
|
It is the inspector's responsibility to uncover and point out the
visible defects. Questions over whether the Buyer or the Seller should pay for
defects are not within the contractual responsibility of the inspector. No two
real estate transactions are ever the same. Decisions over what the Seller is
responsible for is really more of a process than a hard-and-fast decision.
|
|
Does the inspector come back to inspect repairs?
|
TOP |
|
|
Once
both parties agree on the repairs as outlined on the inspection report or on
the purchase contract, and who is to take care of them, the negotiating process
is normally over and repairs are typically completed prior to the closing.
Proof of repairs through receipts or a re-inspection is the final step. For a
nominal fee, most certified inspection companies will perform re-inspections to
ensure repairs were completed, if the repairs were carried out by licensed
contractors.
The fees for this service vary from company to company but normally
range between thirty to fifty percent of the origional fees. In some cases it
can be as much as the original fees because of the extent of repairs to be
reinspected.
(NOTE: Professional home inspectors will never conduct repairs of
any nature on the home they inspect. It is a conflict of interest and
prohibited by all professional associations. It is wise to stay clear from
companies practicing such services. It is normally indicative of an
inexperienced or unscrupulous inspection company.)
|
|
The inspector missed something. What should you do?
|
TOP |
|
|
It is not uncommon for Buyers to experience problems with their new
homes after moving in. For instance, the 15-year old air conditioner may decide
to quit working within days of moving in, or suddenly there’s a leak in the
roof after a particularly hard rain. There is the understandable impulse to
blame the home inspector for these unexpected failings. However, it should be
remembered that the home inspection is non-invasive, and is based on the
visible conditions at the time of the inspection. Home systems can fail at any
time because the house continues to age, people continue to interact with it,
and factors such as high winds and rain from a storm, or improper
use/maintenance of a system can result in a problem. Too, factors totally
unrelated to the inspection such as damage caused by the movers or an improper
post-inspection repair may cause problems. And the removal of the Seller’s
furniture or a remodeling project may also uncover issues that were not visible
during the original inspection. It is because of these post-inspection
possibilities that it is so important for the Buyer to conduct a thorough
walk-through of the house immediately before signing on the closing. Make sure
that all systems continue to function as represented, and that the exit of the
Seller from the house has not caused or revealed any conditions not noted in
the home inspection report. Remember, too, that professional home inspectors
will document every condition and test result to support you with claims from
your home warranty (if one was purchased). And finally, it is hoped that you
were diligent and thorough in selecting your home inspector. It is the veteran
inspector with professional credentials and years of experience who will most
likely uncover the hidden defects that pose the financial risks of your real
estate transaction.
|
|
Deciding on a home warranty
|
TOP |
|
|
After having a professional inspection done on their home, Sellers
or Buyers should next consider the advantages of purchasing a home warranty.
Statistics on real estate transactions taken over a period of many years
demonstrate the true value of a home warranty. For example: (1) Eight out of
ten Buyers prefer to buy a warranted home; (2) Home warranty coverage can
protect the Seller or Buyer against costly repairs while the home is listed for
sale; (3) Home warranties reduce the possibilities that the Seller will be
asked for compensation after the closing; and (4) For the Buyer, a home
warranty provides financial protection for unexpected system breakdowns, such
as: HVAC system, kitchen appliances and in some cases, roof leakage. Home
warranties will vary, with allowances or deductions for unexpected roof issues,
systems age limitations and exclusions for pre-existing conditions.
|
|
Do you really need a real estate agent?
|
TOP |
|
|
There is no question that everybody questions the expense of
realtor fees at the end of every real estate transaction, but very rarely
reflects on the benefits. The real estate profession is crucial to every real
estate transaction. Experienced inspectors have witnessed on hundreds of
occasions, buyers being taken advantage of by sellers or sellers being taken
advantage of by buyers, all because of inexperience. In all cases, one or both
parties were unable to negotiate the inspection findings or navigate their way
through the real estate process. In some cases both parties became too close to
each other, our in come instances one of the parties were not as up front and
honest as they made themselves out to be. “The seller is so nice that the buyer
agrees to letting the seller off the hook for repairs noted on the home
inspection report”!.
A penny wise a pound foolish is a very old saying. Don't get caught
paying for these un-necessary mistakes. They can be avoided. This is your
investment, protect it. Choose a professional real estate agent that will serve
your interests from the start to finish and that will always be available to
you throughout the real estate transaction.
|
|
How do i choose my termite inspector?
|
TOP |
|
|
Every
real estate transaction requires a wood destroying organism (WDO) inspection
and report to be completed by a licensed termite inspector. In the past, home
Buyers and Sellers were limited to calling a termite or pest control company to
perform a WDO inspection. Frequently, the reports they received were
compromised because some WDO inspectors were less than forthcoming. Why?
Because of vested interest. If the home that is being inspected has been under
a termite bond by the company for whom the inspector works, either currently or
in the recent past, the WDO inspector is disinclined to report significant
termite damage. Too, all too often, WDO inspectors are swayed in their
inspecting services by the fact that their primary interest in conducting the
inspection is to sell continuing treatment services. Home inspectors, on the
other hand, are not in the business of selling pest control services or any
other type of service that calls for paying additional fees. In fact, that is
contrary to the standards of practice upheld by the national home inspectors
associations.
However, things are changing. Many home inspectors today are
completing the special training and state certification requirements for WDO
inspecting so they can offer an unbiased WDO report in addition to the standard
home inspection. Apart from the obvious advantages of convenience and time
savings, the home inspector who is licensed for WDO inspecting can now give an
unbiased WDO report without his professionalism being compromised, because he
is not involved in selling post-inspection pest control treatment services. Ask
your home inspector if he is licensed for WDO inspecting. If so, then you may
enjoy both convenience and peace of mind from the expanded services.
|
|
Caring for unoccupied homes:
|
TOP |
|
|
A second home, or any home for that matter, which is left
unoccupied for more than several days at a time is at risk should one or more
of the home systems, i.e., electrical, plumbing or heating, fail during your
absence. A simple power failure during freezing weather or lightning strike
could lead to thousands of dollars in loss.
One of
the more helpful and valuable exchanges that can occur between the Buyer and
Seller of a house is information about earlier failures and how to prevent
them. A discussion of any systems that are on "automatic pilot" mode, or need
to be actuated or shut off prior to leaving the house for a protracted period
of time, is helpful. Regardless, here's a brief check list of items to think
about before leaving:
(1) Turn off the water
Summer or winter, when leaving the house for a week or more, turn off the power
to a well pump at the water meter or the main valve to the house. For city
water, or shared water systems, turn off the main valve;
(2) Cooling
During the summer, make sure the HVAC system is set at approx. 78°F. This will
ensure the air is properly circulating & conditioned. This is important
especially in areas with high humidity levels. Over an extended period of time,
unconditioned air, especially in areas of high humidity, may accelerate mold or
mildew problems;
(3) Fuels
Turn off gas or oil service at the shut-off valves;
(4) Monitoring the house
The home should be monitored both for physical condition and possible intrusion
by strangers. A trusted neighbor is invaluable for keeping an eye on things
while you are gone. In some areas, you can hire a service company to check on
your home for a modest fee. During extremely cold or stormy weather, the house
should be checked more frequently;
(5) Security
A low temperature sensor attached to an alarm system is advised;
(6) Heating
During the winter, keep a minimum heat level in the home, especially a home
with a basement or deep foundation. This will avoid structural foundation
damage caused by frost and freezing of the soil;
(7) Hot water heating system
Add antifreeze to the heating system if you heat with hot water (NOT with
steam);
(8) Winter absence
If the house will be unheated throughout most of the winter, proper draining
and flushing of systems are necessary. Hire an expert to winterize the house;
(9) Freezing pipes
If water is present in the pipes, leave the cabinet doors open below the sinks.
IMPORTANT: Merely wrapping pipes with insulating material will NOT prevent
freezing; it only slows the process. Insulating between pipe and outside wall
is recommended, but heat from the interior must be able to get to the pipe to
keep it warm;
(10) Reminders
Provide reminders throughout the home for visitors during showings to return
all systems to their original settings (i.e.: thermostats, clocks, light
switches, etc.).
|
|
Buying A Newly-Constructed Home
|
TOP |
|
|
Many
people elect to buy a newly-constructed home in the belief that they will
escape most of the problems associated with older homes, and that the new home
will be free of serious defects. They are encouraged in this belief by the
builder's warranty, thinking any defects in construction will be minor and
quickly repaired at no cost to the home buyer. One has only to take note of the
phenomenal surge in lawsuits between builders and home buyers to realize that
the complexities of new home construction bring their own kind of risks.
We believe that anyone buying a newly-constructed home should have it inspected
by an independent, professional inspection company no matter who builds the
home, and irrespective of the warranty extended by the builder. The wisdom
behind this advice comes from our many years of practical experience in the
home inspection business.
Even the most conscientious and experienced builder will make unintentional
mistakes or oversights that can impact on the structural and systems integrity
of a new home. Part of the problem lies in the increasing complexity of new
home construction, and the financial pressures that force an accelerated pace
of construction. "Haste makes waste," remember? Add to that the constantly
changing building codes and oftentimes over-worked City Inspectors, and the
door is wide open for serious problems and omissions.
New home construction has become more complex because of the continuing
introduction of new materials and components which, if installed improperly or
fail to meet stated performance standards, can result in structural damage or
systems failures. Many class action law suits have been filed calling into
question items such as siding defects, moisture intrusion, mold accumulation,
plumbing failures and stucco problems, to name a few.
Endemic to new home construction are the defects incurred due to omissions.
Visit a building site where a new house is under construction and take note of
the dozens of individuals at work. Re-visit the site a week later and you will
see dozens more at work, and usually they are not the same workers you saw on
your first visit. Framers, roofers, plumbers, electricians and a host of others
are coming and going to the site every day for weeks on end. Each group of
tradesmen probably works for a different sub-contractor. They are concerned
only with their particular job assignment and usually pay little or no
attention to the work being done by other trade groups. Theoretically, all of
the work on the house is being supervised by a site superintendent who works
for the builder. But when 10, 20, or more homes are all under construction at
one time, and under the supervision of the same superintendent, and literally
hundreds of subcontracted workers are flowing in and out of the site, it is
easy for a superintendent to miss something. A mistake may be made, but before
the superintendent has an opportunity to check it, it can be covered-up by
other work. The same problem exists for the City Inspector, who visits the site
to check for building code compliance. The Inspector is time-pressed just like
the superintendent and the subcontractors. The builder, his superintendent, the
subcontractors and the City Inspector are all relying on each other, and the
situation is ripe for errors or omission. In some regions, it has been reported
that the quality of construction has dropped dramatically because of
overwhelmed City Inspectors and Superintendents. Recent studies in Orlando
& New Jersey have found that some City Inspectors are conducting as many as
60 inspections per day.
Also, turnover is high among housing construction workers and just about every
crew has one or more workers with little or no experience. These novices are
learning their trade, and they make mistakes. Sometimes they leave things out
or install things improperly, and unless it is caught and corrected by their
supervisor, the damage or condition remains.
Unfortunately, the builder's warranty is not the answer to the challenge the
home buyer faces in protecting his investment. In practical terms, the
builder's warranty is a marketing device to further the sale of the home. The
actual definition of a structural defect under a ten-year builder’s warranty
is, "Actual physical damage to a load bearing element of a home which makes the
home unsafe, unsanitary and unlivable". In other words, your home must be in
such structural disrepair that you cannot live there anymore before any
warranty claims can be made. Now this is not to say that warranties will not
fix a problem.
Call-backs to fix problems are expensive and time-consuming for the builder. So
the builder is waiting for YOU, the owner, to invoke the terms of the warranty.
In other words, it is YOU who must discover the omissions or shoddy work and
then demand the repair. A leaking pipe, a squeaking staircase, or a light
fixture that doesn't work are easy to spot. But many omissions and defects will
not reveal themselves so easily, or within the 12-month warranty period. The
newly-constructed home will not exhibit the historical settlement data that is
so valuable in determining defects in an older house. It has not set long
enough to exhibit the effects of the various stresses and loads imposed on the
various components. Veteran home inspectors will quickly confirm that it is far
easier to identify the defects of a 50-year old house than a new one because of
the performance data that is available to a visual inspection. The passage of
time also produces performance data related to waterproof membranes such as
roof coverings, moisture intrusion issues which occur due to inadequate
sealants and flashing, tile enclosure issues due to improperly installed tile,
drywall and plumbing systems, to mention a few. Experienced inspectors are
trained to identify visible issue that can pose a problem later. It is for this
reason that your choice of inspector is critical.
|
|
Elements Of A New Construction Inspection
|
TOP |
|
|
It
goes without saying that when assessing the cost of inspection services, there
is a cost-to-benefit ratio to consider based on finances available, but there
is also a minimum level of service which everyone should consider. The
following services are strongly recommended:
Phase I: Slab
Inspection
Formwork, plumbing, reinforcement, termite treatment, moisture barrier and any
other material to be embedded in the concrete are inspected while visible.
Typical elements inspected include:
• Excavations, clearing and fill material.
• Footers and foundation walls, steel re-inforcement and framework.
• Slab thickness and debris in pour area.
• Visible plumbing and drainage systems.
• Vapor barrier and termite treatments.
Phase II: Framing
Inspection
Inspection of the building shell before the application of finishes enables us
to examine in detail the visible structural elements of the home. The entire
house is inspected on a room-by-room basis. All accessible trusses are viewed
for compliance with design engineering documents, including on-site truss
repairs where contract documents are available.
• Framework • Electrical and plumbing fixtures
• Support beams • Roof venting • Hurricane resistance • Anchors/strapping
Where deficiencies are found, recommendations for repair & upgrading are
made. A typed report with photographs is provided.
Phase III: Final (or
Punch Out List) Inspection
The final inspection is carried out prior to closing when all fixtures and
finishes are in place and electricity and water are turned on. All systems are
checked, including structure, exterior, roof, floors, ceilings, air
conditioning, electrical, plumbing, appliances etc.
• Missing roof insulation
• Inadequately sealed windows and stucco details
• Poorly installed vinyl soffits, fascias and eave drip
• Air conditioning duct leakage / installation
• Poor yard drainage / grading
• Uncut roof vent openings
• Improper circuit breaker protection
• Damaged or improperly installed roof coverings
• Missing flashings
Phase IV: One Year
Warranty Inspection
Every
newly-built house comes with a one-year warranty which requires the builder to
fix anything that falls under his responsibility. Failing to conduct a proper
inspection by a qualified inspector before the warranty expires will leave the
liability of any defects or omissions discovered in the future in the hands of
the home owner.
Experience tells us that most major construction defects go unnoticed for 3-5
years.
By this time, the defects could cost many thousands of dollars to remedy
instead of only a few hundred. Unfortunately, most of these defects go
unnoticed until it is too late and the homeowners will have to foot the repair
bill.
Assisting in preventing the possibility of future costly repairs is the goal of
a "One Year Warranty Inspection". The inspection covers over 500 items and
includes testing of all systems and components. All visible and accessible
components will be inspected to determine the presence of any defects such as
manufacturer and/or contractor’s flaws not visible to the untrained eye. This
"last chance" inspection is essential in providing owners with the peace of
mind they deserve.
|
|
Construction Standards & Legislative Protection
|
TOP |
|
|
The National Association of Home Builders has published residential
construction guidelines for professional builders and remodelers, which
outlines the variances and the degrees of tolerances in construction that are
deemed acceptable by the building industry.
These guidelines do not supersede any code or local requirements.
They are generic in nature and open to interpretation. They cover such issues
as tile cracks, building settlement, plumbness of walls and many other building
deficiencies that are to be expected with new construction. It also outlines
what you should expect of your builder to correct an issue if it is outside the
accepted tolerance. It is important to understand that many builders have
adopted and practice what are termed "industry standards." Frequently, these
"industry standards" do not meet any acceptable tolerance criteria and/or
building codes but code officials approve them as an alternative acceptable
practice. For further and more detailed information, you may obtain a copy of
the residential construction performance guidelines for professional builders
and remodelers at: www.NAHB.org, or telephone 202/822-0216.
|
|
Dealing with construction defects on newly built homes
|
TOP |
|
|
The
state of Florida has enacted legislation defining how builders are to address
construction defects. This law was enacted primarily because of pressure
brought by consumer advocate groups responding to the high incidence of
complaints in dealing with builders to resolve differences over alleged
construction defects.
The homeowner or claimant must serve a notice of claim within 15 days after
discovery of an alleged construction defect. Failure to file a claim within the
notice period will not bar an action, i.e., lawsuit. Within 10 days after
service of the notice of claim the contractor or his sub-contractors, or design
professionals have the opportunity to inspect the defect within 5 business days
of receiving a copy of the notice of claim.
The
claimant will provide the contractor or his associates reasonable access to
inspect the defect during normal working hours to determine the nature and
extent of the problem. Prior to performing any destructive testing, the
contractor must notify the claimant in writing of the type of testing and
damage anticipated by the testing in addition to any works to repair the damage
caused by the testing. Once the contractor has received the notice of claim, he
must report back to claimant within 25 days with a written response.The
builder's or contractor's response must state that the defect will be remedied
at no cost to the claimant, or offer a compromise to settle the claim in which
monetary funds will be paid within 30 days of acceptance of the offer to
settle. If the contractor or his associates have offered to remedy an alleged
construction defect or offered a compromise to settle a claim with a monetary
payment, the written response must contain a statement in which the claimant
shall be deemed to have accepted this offer if a written statement is not
served by the claimant within 15 days.
Home owners are advised to pay strict attention to these mandated response
times, and send all complaints, offers and counter-offers via registered or
certified mail. If the builder or contractor refuses to remedy the alleged
defect and/or does not offer a compromise to settle the dispute, the homeowner
may proceed with litigation. In rejecting a claim or offer tendered by the
builder, the homeowner's letter to the builder must use the word "rejected,"
and be sent by registered or certified mail. By the same token, if the
homeowner accepts the builder's offer or compromise, but the builder fails to
follow through, the homeowner can also proceed with an action against the
builder without delay. It is extremely important that the homeowner follow the
legal procedures very carefully, otherwise the claim will be inadmissible in
future action or lawsuits. This law took effect on May 27, 2003.
|
|
|
|
| | | | | |