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A standard home inspection is a visual examination of the
physical structure and major interior systems of a
residential building consisting of one to four dwelling
units. An inspection can be likened to a physical exam by a
physician; however, it should be clearly understood that a
home inspection is not to be confused with an appraisal, a
building code inspection, a guarantee of any kind, and/or an
insurance policy on the condition of the property.
During an inspection, the inspector will review the readily
accessible exposed portions of the structure of the home,
including the roof, the attic, walls, ceilings, floors,
windows, doors, basement, and foundation as well as the
heating/air conditioning systems, interior plumbing and
electrical systems for potential problems.
Home inspections are not intended to point out every small
problem or any invisible or latent defect in a home. Most
minor or cosmetic flaws, for example, should be apparent to
the buyer without the aid of a professional.
Selecting a Home Inspector
Good referral sources for home inspection services are
friends, neighbors, or business acquaintances who have been
satisfied with a home inspector. In addition, lawyers and
mortgage brokers may also recommend a home inspector. The
names of local inspectors can be found by searching the
Division of Professional Licensure website at
www.mass.gov/reg/boards/hi, or in the Yellow
Pages where many advertise under "Building Inspection
Service" or "Home Inspection Service."
Real estate brokers and salesmen may not directly recommend
a specific home inspection company or home inspector unless
representing the buyer as a buyer's broker. Brokers,
however, may provide assistance to buyers in accessing
information on licensed home inspectors.
During The Inspection
While not necessary, it is recommended that the buyer be
present for the inspection. This allows the buyer to observe
the inspector, ask questions directly, and obtain a better
understanding of the condition of the home, how its systems
work, and how to maintain it. The written report may be
easier to understand if the buyer was present during the
inspection.
Inspectors must provide a written evaluation report based on
the standards of compliance in accordance with Massachusetts
General Laws Chapter 146.
At the conclusion of the home inspection, the buyer should
be well informed of the condition of the home. It should be
known if there are visible, apparent problems, if repairs
need to be made, or whether or not there are any risks of
concealed damage, and whether further investigation is
recommended and/or required.
FAQ on Inspections
What is a home inspection?
A home inspection is an objective
visual examination of the physical structure and systems of
a house, from the roof to the foundation.
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What does a
home inspection include?
The standard home inspector’s report will cover the
condition of the home’s heating system; central air
conditioning system (temperature permitting); interior
plumbing and electrical systems; the roof, attic and visible
insulation; walls, ceilings, floors, windows and doors; the
foundation, basement and structural components.
The American Society of Home
Inspectors (ASHI) publishes a
Standards of Practice and
Code of Ethics that
outlines what you should expect to be covered in your home
inspection report.
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Why do I need a
home inspection?
Buying a home could be the largest single investment you
will ever make. To minimize unpleasant surprises and
unexpected difficulties, you’ll want to learn as much as you
can about the newly constructed or existing house before you
buy it. A home inspection may identify the need for major
repairs or builder oversights, as well as the need for
maintenance to keep it in good shape. After the inspection,
you will know more about the house, which will allow you to
make decisions with confidence.
If you already are a homeowner, a home inspection can
identify problems in the making and suggest preventive
measures that might help you avoid costly future repairs.
If you are planning to sell your home,
a home inspection can give you the opportunity to make
repairs that will put the house in better selling condition.
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What will
it cost?
The inspection fee for a typical one-family house varies
geographically, as does the cost of housing. Similarly,
within a given area, the inspection fee may vary depending
on a number of factors such as the size of the house, its
age and possible optional services such as septic, well or
radon testing.
Do not let cost be a factor in deciding whether or not to
have a home inspection or in the selection of your home
inspector. The sense of security and knowledge gained from
an inspection is well worth the cost, and the lowest-priced
inspection is not necessarily a bargain. Use the inspector’s
qualifications, including experience, training, compliance
with your state’s regulations, if any, and professional
affiliations as a guide.
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Why
can't I do it myself?
Even the most experienced homeowner lacks the knowledge and
expertise of a professional home inspector. An inspector is
familiar with the elements of home construction, proper
installation, maintenance and home safety. He or she knows
how the home’s systems and components are intended to
function together, as well as why they fail.
Above all, most buyers find it difficult to remain
completely objective and unemotional about the house they
really want, and this may have an effect on their judgment.
For accurate information, it is best to obtain an impartial,
third-party opinion by a professional in the field of home
inspection.
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Can a house
fail a home inspection?
No. A professional home inspection is an examination of the
current condition of a house. It is not an appraisal, which
determines market value. It is not a municipal inspection,
which verifies local code compliance. A home inspector,
therefore, will not pass or fail a house, but rather
describe its physical condition and indicate what components
and systems may need major repair or replacement.
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How do I find a
home inspector?
You can ask friends or business acquaintances to recommend a
home inspector they have used. Or, you can use the
Find An Inspector
search tool for a list of home inspectors in your area who
belong to the non-profit professional organization. To have
a list mailed to you, call 1-800-743-ASHI (2744). Also, real
estate agents and brokers are familiar with the service and
may be able to provide you with a list of names from which
to choose.
There is also information at
www.mass.gov/req/boards/hi
through the Massachusetts Licensing Board
Whatever your referral source, you can be assured of your
home inspector’s commitment to professional standards and
business ethics by choosing one who has membership in ASHI.
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What is ASHI?
Since 1976, ASHI has worked to build consumer awareness of
home inspection and to enhance the professionalism of its
membership. The ASHI Standards of Practice and Code of
Ethics serves as a performance guideline for home
inspectors, and is universally recognized and accepted by
many professional and governmental bodies.
Who belongs to ASHI?
ASHI is an organization of independent, professional home
inspectors who are required to make a commitment, from the
day they join as ASHI Associates, to conduct inspections in
accordance with the ASHI Standards of Practice and Code of
Ethics, which prohibits engaging in conflict-of-interest
activities that might compromise their objectivity. ASHI
Associates work their way to ASHI Certified Inspector status
as they meet rigorous requirements, including passing a
comprehensive, written technical exam and performing a
minimum of 250 professional, fee-paid home inspections
conducted in accordance with the ASHI Standards of Practice
and Code of Ethics. Mandatory continuing education helps the
membership stay current with the latest in technology,
materials and professional skills.
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When do I call a home inspector?
Typically, a home inspector is contacted immediately after
the offer to purchase has been accepted and signed. Before
you sign, be sure there is an inspection clause in the sales
contract, making your final purchase obligation contingent
on the findings of a professional home inspection. This
clause should specify the terms and conditions to which both
the buyer and seller are obligated.
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Do I
have to be there?
While it’s not required that you be present for the
inspection, it is highly recommended. You will be able to
observe the inspector and ask questions as you learn about
the condition of the home and how to maintain it.
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What if the
report reveals problems?
No house is perfect. If the inspector identifies problems,
it doesn’t mean you should or shouldn’t buy the house, only
that you will know in advance what to expect. If your budget
is tight, or if you don’t want to become involved in future
repair work, this information will be important to you. If
major problems are found, a seller may agree to make
repairs.
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If the house proves to be in good
condition, did I really need an inspection?
Definitely. Now you can complete your home purchase with
confidence. You’ll have learned many things about your new
home from the inspector’s written report, and will have that
information for future reference.
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