Florida InsuranceHomeowners InsuranceUmbrella Insurance

What is and is NOT Included in a Home Inspection

You found your dream home. Now, it is time to conduct your due diligence by getting a home inspection.

A home inspection should not be skipped, it can save a home buyer from potential issues with their new home in the future,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

Results from a home inspection could affect the purchase of a home. Florida homeowners are required by law to disclose all known problems that could negatively impact the value of a home to a potential buyer. Requesting an updated Seller’s Property Disclosure Statement is a good start. However, the seller can only disclose problems they are aware of regarding the property. A home inspection can reveal problems the current homeowner might not know about.

Home inspection services should be performed by a licensed home inspector. They are required to provide written reports of the home inspection. The report will contain detailed information on the property and be delivered no longer than a week after the inspection. Florida law requires the inspector to check the following:

Structural components including framing and the foundation of the home

Electrical system including service panels, breakers and fuses

HVAC system equipment and venting

Roof covering including shingles, flashing and skylights

Plumbing systems including pipes, drains, water heating equipment and sump pumps

Interior components including walls, ceilings, floor, windows, doors, stairs and railings

Exterior components including siding, soffit, porches, balconies, walkways, railings and driveways.

As well as site conditions that affect the structure

Keep in mind, home inspections are defined by Florida law as, “a limited visual examination.” While home inspectors cover a lot they do not cover the following unless specified.

Pest control and termites

Swimming pools and hot tubs

Appliances

Alarm systems

Fire and smoke detection and suppression systems

Environmental hazards-asbestos, radon gas, lead paint, toxic mold

Detached structures- docks, garages, sheds

Code compliance

Well systems

Several of these listed are real issues in Florida homes. To check for those, a specialized inspector is required.

“Make sure you hire a state certified home inspector,” recommends Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Your real estate agent, friends and family are great resources to find a dependable home inspector in your area.  Other resources include: American Society of Home Inspectors and Porch.

Make sure you get the adequate homeowners insurance you need with GreatFlorida Insurance. Contact us today.

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Ellsworth Buck

Ellsworth Buck

Vice President
GreatFlorida Insurance

Since 2003, Ellsworth has served as Vice President of GreatFlorida Insurance, a network of independent, franchised insurance agents located throughout Florida. During his tenure he has helped the franchise grow to more than 100 independent locations state wide. He is a 20+ year veteran of the Florida Insurance industry and is a graduate West Virginia University, earning his M.B.A in 1984. He lives with his wife in Stuart, Florida.For more information visit: www.greatflorida.com

955 S Federal Hwy, Suite 101
Stuart, FL
34994

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