I feel that it’s important to defend Home Inspectors here, but as I am writing this I realize that some of you are right. There are bad home inspectors out there, or at least those that do not understand, or have lost track of their purpose in a real estate transaction,
Indiana regulates the home inspection trade. The purpose of a home inspection in Indiana is to determine the overall condition of a property in 9 functional areas. My state requires reporting of non-functional and unsafe components and components near the end of service life. Unsafe may include damage, deterioration, improper installation; or a change in accepted residential construction standards. However, home inspections are not code compliance inspections.
The state dictates what is to be inspected and how it is reported, but no criteria is defined as to how required components are inspected. That is left to the individual inspector’s background, education, and experience, which varies from one inspector to the next. Most inspectors are former or current tradesmen.
Some inspectors also follow trade association standards who may define the purpose of a home inspection to identify and report defects, no matter how significant (or real) they are. Some trade associations also focus heavily on code compliance, even though they admittedly are not code inspectors. Some home inspectors often walk this fine line when performing inspections.
Most inspectors will carry Errors and Omissions insurance to protect them from liability in the event of a missed defect. Some inspectors eager to earn good graces with realtors will walk a fine line here to get more referrals. Other inspectors will defer as much as they can to tradespeople to limit their liability.
Some inspectors just don’t know what they’re doing or what to look for.
My nephew hired an inspector referred by his agent. He was told, incorrectly, that hiring me would be a conflict of interest. Here is a picture of his service from the inspection report that his inspector reported as “satisfactory”. After moving in, some of his receptacles would fail intermittently. Can you see the burnt neutral?