Why Your Vegas Home Inspector Needs To Have Insurance
To be considered a ligament Vegas Home Inspector there are certain requirements that must be met. In addition to having the proper licenses and having the proper training, home inspectors are also required to carry certain insurances. Before hiring an inspector verify that they work for a company with both errors and omissions insurance, and general liability insurance. Not only that, but you should know what these insurances can do for you. Having this knowledge could save you thousands of dollars, and headaches, down the line.
What Insurance Should A Home Inspector Have?
The Vegas home inspector that you hire should have or work somewhere that has both general liability insurance, and errors and omissions insurance. On top of that the policy that they carry should be a good one. This means that the insurance company should agree to pay for the actual damages, and not just the cost of the inspection; should anything go wrong. Before you hire an inspector you should be able to verify their insurances and the complexity of the plans themselves. If you are unable to do this or if the insurance does not meet these standards, keep doing research to find an inspector that does.
How An Uninsured Vegas Home Inspector Is Putting You At Risk
Sometimes something might go wrong on the day of the inspection that results in injury or additional repairs. Sometimes an inspector neglecting to notice a problem can lead to costly damages. In either scenario if you are the victim, you should not have to pay for this. For example, if a report does not disclose any issues with sloping and you experience water damage the next time there’s heavy rain; it isn’t your fault. This is when all the work that you have done to find a reliable home inspector should pay off. A good home inspector is ready to have their insurance company pay for the damages. If this is not the case then you might be left out in the cold.
Once you make a claim, you will have to prove that you are not at fault. This is very hard to do, especially in cases where omission is the issue. If you cannot prove this, then you will not you will not receive any compensation for the damages. If you are able to make a successful claim against an uninsured Vegas home inspector; a whole new list of problems arise. Uninsured inspectors often have no real obligation to pay you back in full. Most of the time they will only be required to reimburse you for a poor inspection. That is why it is always important to make sure that you verify a home inspector’s insurance, and read the fine print before hiring.
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