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Ful lCirc leHom eInsp ect io ns
HOME INSPECTIONSHOME INSPECTIONSWhat really matters ?What really matters ?A presentation for real estate professionals
Brought to you by
The Inter-National Association ofCertified Home Inspectors
Full Circle Home Inspections
www.NACHI.org
America’s Elite Home Inspection Organization
Ful lCirc leHom eInsp ect io ns
Contents of presentationContents of presentation�� The role of your home inspector.The role of your home inspector.
�� How we can assist you.How we can assist you.
�� Types of inspections.Types of inspections.
�� Our standards of practice.Our standards of practice.
�� What are we looking at ? What are we looking at ?
�� What are our limitations ?What are our limitations ?
�� Our code of ethics.Our code of ethics.
�� What do we often find ?What do we often find ?
�� What really matters to your clients ?What really matters to your clients ?
�� All about NACHI.All about NACHI.
�� All about your NACHI inspector.All about your NACHI inspector.
�� For further informationFor further information
Ful lCirc leHom eInsp ect io ns
The role of your Home InspectorThe role of your Home Inspector
�� To provide an unbiased, written report To provide an unbiased, written report
based on the condition of the home.based on the condition of the home.
�� To report the condition of the homes To report the condition of the homes
structure, roof and major systems.structure, roof and major systems.
�� To advise the client as to areas that To advise the client as to areas that
are, unsafe, require immediate repairs are, unsafe, require immediate repairs
or maintenance and sensible safety or maintenance and sensible safety
related updates.related updates.
�� To help you help the client to make To help you help the client to make
informed decisions about the homeinformed decisions about the home
Ful lCirc leHom eInsp ect io ns
Different Levels of DefectsDifferent Levels of Defects
�� Watch List: An item that is not Watch List: An item that is not
currently a problem, but has a currently a problem, but has a
high likelihood of failing in the near high likelihood of failing in the near
future.future.
�� Examples:Examples:
––Older RoofOlder Roof
––Older Water Heater or FurnaceOlder Water Heater or Furnace
–– Recommendations for regular Recommendations for regular
maintenance like window caulkingmaintenance like window caulking
Ful lCirc leHom eInsp ect io ns
Different Levels of DefectsDifferent Levels of Defects
�� Repair and/or Replace: An item Repair and/or Replace: An item
that is defective and should be that is defective and should be
repaired in order to guard against repaired in order to guard against
more damage.more damage.
�� Examples:Examples:
–– Roof FlashingRoof Flashing
–– Leaky PipesLeaky Pipes
––Damaged Electrical OutletsDamaged Electrical Outlets
Ful lCirc leHom eInsp ect io ns
Different Levels of DefectsDifferent Levels of Defects
�� Significantly Deficient: Defined in Significantly Deficient: Defined in
State Law as State Law as ““Any system of Any system of
component that is unsafe of not component that is unsafe of not
functioningfunctioning””..
�� ““Not FunctioningNot Functioning”” is easy. It does is easy. It does
not work, i.e., the furnace does not not work, i.e., the furnace does not
work.work.
�� Unsafe is defined against current Unsafe is defined against current
National Standards, not local codes.National Standards, not local codes.
Ful lCirc leHom eInsp ect io ns
Different Levels of DefectsDifferent Levels of Defects
�� Unsafe: Defined in State Law as Unsafe: Defined in State Law as
““A condition in a system or component A condition in a system or component
that is a significant risk of personal that is a significant risk of personal
injury or property damage during injury or property damage during
normal, daynormal, day--toto--day use. The risk may day use. The risk may
be due to damage, deterioration, be due to damage, deterioration,
improper installation or a improper installation or a change in change in
accepted residential construction accepted residential construction
standards. standards.
Ful lCirc leHom eInsp ect io ns
Different Levels of DefectsDifferent Levels of Defects�� Being in accord with local building Being in accord with local building codes is not the same as being safe.codes is not the same as being safe.
�� Codes are a Codes are a minimumminimum standard of standard of required work.required work.
�� Codes vary from town to town. Codes vary from town to town. National standards do not.National standards do not.
�� A house can be perfectly compliant with A house can be perfectly compliant with code, but be perfectly unsafe.code, but be perfectly unsafe.
�� Inspectors are required, by law, to call Inspectors are required, by law, to call out all out all ““Significantly DeficientSignificantly Deficient”” items.items.
Ful lCirc leHom eInsp ect io ns
What can we do What can we do for you ?you ?�� We promise to act professionally towards We promise to act professionally towards you and the client at all times.you and the client at all times.
�� We undertake to deliver a comprehensive We undertake to deliver a comprehensive and unbiased report to your client in a and unbiased report to your client in a timely manner.timely manner.
�� We are happy to discuss the findings of our We are happy to discuss the findings of our report with you at your clients request.report with you at your clients request.
�� We guarantee to perform the inspection We guarantee to perform the inspection exceeding with industry standards and in exceeding with industry standards and in full compliance with any state requirements.full compliance with any state requirements.
Professional Service + An Informed Buyer
= A quick closing
Ful lCirc leHom eInsp ect io ns
Types of inspectionsof inspectionsPre-listing inspections:
Give the seller the opportunity to correct defects prior to listing,
provide a more accurate disclosure, take nasty surprises out of the
equation and speed up the closing.
Buyers inspections:
Give the potential purchaser and their Realtor the tools needed to make an informed decision about the condition of the home and
reduce liabilities for all involved.
Ful lCirc leHom eInsp ect io ns
Types of inspectionsof inspectionsNew Construction Inspection:
Even new houses have problems. With the new paradigm of tear-
down builders and large developments, inspection of new
construction is crucial.
Phased Construction Inspection:
Building your own custom home? Why not have an expert on your side? A home inspector can be your eyes and ears on-site.
Ful lCirc leHom eInsp ect io ns
Types of inspectionsof inspectionsRemodeling Consultation:
Home inspectors are experts on all the newest techniques and
materials. If you are planning a remodel, why not have an inspector
help you decide the most cost effective way to do it?
Renter’s Security Deposit Inspection:
Have a certified home inspector document the condition of your rental property before you rent it. Avoid the hassle of security deposit
disputes with renters.
Ful lCirc leHom eInsp ect io ns
Our Standards of PracticeOur Standards of Practice
�� We are required to meet standards of We are required to meet standards of
practice as laid out by our trade practice as laid out by our trade
organization or state licensure.organization or state licensure.
�� We report on the materials and methods We report on the materials and methods
used in the construction of dwellings and used in the construction of dwellings and
their systems and report on their overall their systems and report on their overall
condition based on a visual and noncondition based on a visual and non--
invasive inspection.invasive inspection.
�� For more details about our minimum For more details about our minimum
standards of practice, please visit:standards of practice, please visit:
http://www.nachi.org/sop.htm
Ful lCirc leHom eInsp ect io ns
What are we looking at ?
� Roof system & coverings.
� Exterior & lot.
� Basement, Foundation, Crawlspace & Structure.
� Heating systems.
� Cooling systems..
� Plumbing fittings & fixtures.
� Electrical supply & distribution.
� Fireplace & chimney.
� Attic & Insulation.
� Doors, Windows & & Interior.Interior.
The report will contain comments on the condition of the following systems
For more information on the above please visit: http://www.nachi.org/sop.htm
Ful lCirc leHom eInsp ect io ns
What are our limitations ?�� A home inspection is A home inspection is NOTNOT a warranty and a warranty and implies no guarantee of the future condition implies no guarantee of the future condition of the home or its systems.of the home or its systems.
�� The inspector can only report on systems The inspector can only report on systems that they can see based on reasonable that they can see based on reasonable access.access.
�� The report should only be considered The report should only be considered ““a a snapshot in timesnapshot in time”” and can only represent and can only represent conditions viewed on the day and time of conditions viewed on the day and time of the inspection.the inspection.
�� An inspection is not technically exhaustive.An inspection is not technically exhaustive.
�� When necessary the inspector will defer to When necessary the inspector will defer to a specialist contractor or other professional a specialist contractor or other professional for further evaluation.for further evaluation.
Ful lCirc leHom eInsp ect io ns
What do we often find ?What do we often find ?
Obviously a little Obviously a little
extreme, but the extreme, but the
home inspector will home inspector will
frequently find frequently find
unknown problems unknown problems
with the roof and with the roof and
roof coverings.roof coverings.
But weedwacking But weedwacking
the roof ?the roof ?
Another common Another common
electrical problem electrical problem
with an ungrounded with an ungrounded
outlet having been outlet having been
placed inside the placed inside the
shower area.shower area.
SHOCKING !!SHOCKING !!
Perhaps the most Perhaps the most
commonly reported commonly reported
problem is with problem is with
unsafe wiring issues, unsafe wiring issues,
in this case the in this case the
exposed live wires exposed live wires
could easily could easily
electrocute the electrocute the
occupants,occupants,
All pictures courtesy of various NACHI members copyright NACHI 2000-2004
Ful lCirc leHom eInsp ect io ns
What do we often find ?What do we often find ?
Would most people Would most people
realize that this realize that this
water heater is in a water heater is in a
dangerous dangerous
condition, and as condition, and as
well as the fire issue well as the fire issue
is not venting is not venting
properly and could properly and could
kill the occupants.kill the occupants.
Inspectors will often Inspectors will often
see materials that see materials that
have been known to have been known to
present problems, in present problems, in
this case a type of this case a type of
siding that was siding that was
subject to a class subject to a class
action suit.action suit.
Unfortunately not all Unfortunately not all
chimney problems chimney problems
are this easy to are this easy to
spot. The home spot. The home
inspector is trained inspector is trained
to recognize visual to recognize visual
deficiencies in many deficiencies in many
different systems.different systems.
All pictures courtesy of various NACHI members copyright NACHI 2000-2004
Ful lCirc leHom eInsp ect io ns
What really matters to your What really matters to your
clients ?clients ?�� We provide an easy to understand inspection We provide an easy to understand inspection report, complete with color photos and diagrams, report, complete with color photos and diagrams, pointing out to the potential buyer the overall pointing out to the potential buyer the overall condition of the home and the areas that may need condition of the home and the areas that may need repair or maintenance.repair or maintenance.
�� We will educate the buyer, by giving them an We will educate the buyer, by giving them an impartial evaluation of the visible structure and impartial evaluation of the visible structure and systems.systems.
�� We are not concerned with the cosmetic condition We are not concerned with the cosmetic condition of the home unless that is indicative of deeper lying of the home unless that is indicative of deeper lying problemsproblems
�� We are not here to We are not here to ““kill the dealkill the deal”” but we have all but we have all inspected a few homes that have committed suicide inspected a few homes that have committed suicide in front of us !!in front of us !!
Ful lCirc leHom eInsp ect io ns
What really matters ?The following article was written by NACHI Founder Nick Gromicko to help educate consumers about the home
inspection process.
Buying a home? The process can be stressful. A home inspection is supposed to give you peace of mind, but often has the opposite effect.
You will be asked to absorb a lot of information in a short time. This often includes a written report, checklist, photographs, environmental reports, and what the inspector himself says during the inspection. All this combined with the seller's disclosure and what you notice yourself makes the experience even more overwhelming.
What should you do? Relax. Most of your inspection will be maintenance recommendations, life expectancies and minor imperfections. These are nice to know about. However, the issuesthat really matter will fall into four categories:
Ful lCirc leHom eInsp ect io ns
1. Major defects. An example of this would be a structural failure.
2. Things that lead to major defects. A small roof-flashing leak, for example.
3. Things that may hinder your ability to finance, legally occupy, or insure the home.
4. Safety hazards, such as an exposed, live buss bar at the electric panel.
Anything in these categories should be addressed. Often a serious problem can be corrected inexpensively to protect both life and property (especially in categories 2 and 4). Most sellers are honest and are often surprised to learn of defects uncoveredduring an inspection. Realize that sellers are under no obligation to repair everything mentioned in the report. No home is perfect. Keep things in perspective. Don't kill your deal over things that don't matter. It is inappropriate to demand that a seller address deferred maintenance, conditions already listed on the seller's disclosure, or nit-picky items.
Ful lCirc leHom eInsp ect io ns
Our code of ethics (abridged)
�� The Inspector shall be fair, honest, impartial, The Inspector shall be fair, honest, impartial, and act in good faith in dealing with the public.and act in good faith in dealing with the public.
�� The Inspector will have no undisclosed conflict The Inspector will have no undisclosed conflict of interest with the client, nor will the Inspector of interest with the client, nor will the Inspector accept or offer any undisclosed commissions, accept or offer any undisclosed commissions, rebates, profits, or other benefitrebates, profits, or other benefit
�� The inspector shall not perform or offer to The inspector shall not perform or offer to perform, for an additional fee, any repairs or perform, for an additional fee, any repairs or associated services to structure on which the associated services to structure on which the inspector or inspector's company has prepared inspector or inspector's company has prepared a home inspection report, for a period of 12 a home inspection report, for a period of 12 monthsmonths
�� For more details about your inspectors ethical For more details about your inspectors ethical obligations please visit: obligations please visit: www.nachi.org/code_of_ethics.htmwww.nachi.org/code_of_ethics.htm
Ful lCirc leHom eInsp ect io ns
All about All about INACHIINACHIThe The InterInter--NationalNational
Association ofAssociation of
Certified Home InspectorsCertified Home Inspectors
�� Home of Americas elite home Home of Americas elite home inspectors.inspectors.
�� Over 10,000 Certified Home Over 10,000 Certified Home Inspectors across the US and Canada.Inspectors across the US and Canada.
�� Our members meet the highest Our members meet the highest standards of practice, ethics and standards of practice, ethics and
continuing education.continuing education.
�� The best inspectors can be found at The best inspectors can be found at www.findaninspector.us
For more information on NACHI go to www.nachi.org