A home inspection is an objective visual examination of the physical structure and systems of a home, from the roof to the foundation. Having a home inspected is like giving it a physical check-up. If problems or symptoms are found, the inspector may recommend further evaluation.
A home inspector is typically contacted right after the contract or purchase agreement has been signed, and is usually available within a few days. Before you sign, you do need to be sure that there is an inspection clause in the contract, making your purchase obligation contingent upon the findings of a professional home inspection. This clause should specify the terms to which both the buyer and seller are obligated.
The purchase of a home is probably the largest single investment you will ever make. You should learn as much as you can about the condition of the property and the need for any major repairs before you buy, so that you can minimize unpleasant surprises and difficulties afterwards.
The standard home inspector's report
This 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.
Be present at the home inspection
It isn't necessary for you to be present for home inspections, but I recommend that you are. You will be able to observe the inspector, and ask questions directly, as you learn about the condition of the home, how its systems work, and how it's maintained. You will also find the written report easier to understand if you've seen the property yourself.
No house is perfect.
If the inspector identifies problems, it doesn't necessarily mean you shouldn't buy the house, but you will know in advance exactly what to expect. A seller may adjust the purchase price, or contract terms, if the inspection reveals major problems. If your budget is tight, or if you don't wish to become involved in future repair work, inspection reports will be extremely important to you.
Of course, a home inspection also points out the positive aspects of a home, as well as the maintenance that will be necessary to keep it in good shape. After the inspection, you will have a much clearer understanding of the property you are about to purchase.
Can I do a home inspection myself?
Even the most experienced homeowner lacks the knowledge and expertise of a professional home inspector who has inspected hundreds, perhaps thousands, of homes in his or her career. An inspector is familiar with the many elements of home construction, and their proper installation and maintenance. He or she understands how the home's systems and components function together, as well as how and why they may fail.
Above all, most buyers find it very difficult to remain completely objective and unemotional about the house they really want, and this lack of objectivity may effect their judgment. In order to be sure you get the most accurate inspection information, it's best to obtain an impartial third-party opinion by a home inspection expert.
The house is in good condition; did I really need an inspection?
Definitely. Now you can complete your home purchase in full confidence of your home's condition. You will also have learned valuable things about your new home from the inspector's written report, and will want to keep that information for future reference.
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