The Real Estate Dad



So you’ve identified the home of your dreams. Here are the Top 10 things you need to know about home inspections in Connecticut:

  1.  What a Home Inspection Is When you conduct a home inspection, there are two things you’re hoping to accomplish:
    • Identify any major problems with the house and get an idea of what’s involved in remedying those major issues. In all likelihood, in Connecticut, you are not buying a new house. You’re buying a house that may have been constructed half a century ago and renovated periodically (by the ex-owner’s brother’s friend who knew a little about electrical) over time. Your house won’t be in perfect condition and you need to know what to anticipate.
    • Get an introduction to your future house so that you know how to maintain it. If you’re a first time home buyer, this will be especially important for you – owning a house is a lot of work and properly taking care of it is the only way to maintain your investment.
  1.  What a Home Inspection is Not Home inspectors conduct visual inspections – they don’t look behind the walls and under the floors (and yes, sometimes evil things are happening there). They are not specialists and often recommend further inspections, for example, a termite or environmental inspection, when they suspect there could other issues. Home inspections do not look for compliance with the building code or local zoning laws (for example, second apartments).
  2.  Preparation for Home OwnershipOne of the biggest benefits of a home inspection is that it prepares you for the house – what needs to be fixed immediately, in 2 years, in 5 years, etc. Most home inspectors spend the time to give youimportant maintenance tips (like telling you where the water main shut off valve is located). Good home inspection companies provide a written summary of their inspection AND a guide full of useful information about caring for your home. Some companies even offer advice from your home inspector for the time that you own your home.
  3.  The Home Inspection Process A home inspection for most Connecticut houses takes between 2-3 hours.  The inspector will go through the house, room by roomand look for major issues; good home inspectors will go into the attic and onto the roof too (depending on the pitch and condition). They’ll often take pictures which will form part of the written report you will receive after the inspection.
  4.  What Happens if you Uncover Something Evil.Sometimes home inspections uncover big, unexpected stuff – for example, a roof that needs replacing, mold in the basement or knob and tube wiring. You may need to re-visit your budget. You may need to decide if you want to take on major fixes or walk away from the house. And you may need to re-visit the price you offered for that old Connecticut house. In most cases, big issues are already known and have been factored into the asking price; but in other situations, you may need to go back to the Seller and re-negotiate the price based on what you now know. Although a home inspection should not be used to nickel and dime the little stuff that you uncover, it may force a discussion about the big stuff. A good Realtor can guide you through that process. Knowing what we now know, what is the home worth in the market? What is the home now worth to you?
  5.  Licensing and Regulation In Connecticut, home inspectors are licensed and regulated. You should ask your home inspector which organizations he belongs to so that you are comfortable with his credentials.
  6.  Cost Home inspections can cost anywhere from $450 to $1000, depending on the provider you use and the scope of the inspection. As with most things in life, you get what you pay for. Home inspectors come in all varieties – from the ex-handyman who now calls himself a home inspector to the engineer who uses thermal imaging.
  7.  Liability Home inspection companies will generally make prospective home buyers sign a waiver of liability, clearly indicating the limitations of the inspection. If something is missed, generally the only remedy is a refund of the cost of the inspection.
  8.  Pre-listing InspectionsIn Connecticut’s real estate market, some Sellers pay for a pre-list home inspection to help give potential Buyers comfort with the house in the hopes of creating a bidding war (and eliminating the need for the buyer to pay for their own inspection). Pre-list inspections are good – but remember that their client is the Seller. Of course there are some great home inspection companies out there who have reputations to protect, but we always recommend that our Buyer clients protect themselves by hiring a home inspector who works forthem.
  9.  Always Hire a Reputable Home InspectorYou are about to embark on the biggest expense of your life. Get recommendations, do your due diligence. If you unknowingly buy a lemon of a house, you’ll be talking about that home inspector for years to come.
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