let me see if I got this correct you believe that this profession should grow and flourish. They have a real benefit to the industry and are necessary for sale of properties. we should allow the insurance industry and government dictate the way we buy and sell real estate.
So when the HI does electrical tests and renders opinions on issue that are regulated by state statues and we have sworn an oath the uphold these regulations, there is no problem here.
I guess I am not conveying my concerns here.
When the the HI perform electrical test and render opinions about electrical they are breaking the law. The HI is not licensed to do electrical work for money. So you are okay with this; so where do you draw the line and why cant the HVAC installer just run the circuit for the new furnace and AC unit? Why not just let the plumber run the new circuit for the new water heater? Why not just let the sign installer run the whole circuit for the neon sign? What really is the difference then. I think the it is a double standard you agree with.
Yes, I believe HI should grow and flourish. Yes, I believe the insurance industry should be more involved which, oh by the way, is partly where the NEC came from. No, I don't believe government should be involved.
You falsely presume that anything electrical requires an electrician. The HI should be pushing GFCI test buttons. Many prospective HOs don't know enough to punch them. They should be wandering around with simple plug testers to check polarity and grounding. None of this is breaking the law. The point of an HI is to act as a knowledgeable HO with a checklist that the typical HO would never have compiled.
You actually expressed the line. Simple inspection is not trades work. And he is not acting for the seller but the buyer. If the HI says the panel should be replaced for whatever reason then I have a choice - (1) walk away from the buy, or (2) hire an electrician to confirm and cost it, or (3) convince the seller to drop the price where I'll assume the risk.
Why should the insurance company be involved? Because they're the ones who will be insuring my home. It's their money too; unless you believe people with money at stake should have no say in things.
Why should I use an HI instead of a fully licensed electrician? Because I can afford an HI at lower hourly rates to do a simple inspection of ten different areas of the home. I can't afford ten different tradespeople at higher rates to do in-depth work on every home I might buy.
The HI will cost his rate for a couple hours.
The trades people will cost a couple hours each for (1) Electrician, (2) Plumber, (3) Heating and Air, (4) Roofing, (5) Foundation, (6) Construction (structural), (7) Lawyer, (8) Environmental, ad nauseum.
You mentioned a lady that wasted money on repairs of a furnace. She could have challenged the HI report with her receipts. You mentioned an HI that said someone must replace an electrical panel because the brand was suspect. Nonsense, his report recommends the buyer not purchase without taking the price of upgrading that panel into consideration. Which takes us back to those three choices of the buyer - Walk, Quote, or Negotiate. The HI cannot block a sale.