Home Inspection Warranties – The Fine Print

Some inspection companies offer a 90 Day Warranty on their home inspection services. We had done this too at some point, though looking further into the details and small print we feel the need to bring some of these details to light to help consumers make an educated decision. Interestingly, when searching through inspector websites that offer these warranties we were unable to find any information regarding their terms and conditions. However, after searching more we eventually uncovered the terms of the 90 Day Warranty, which we will highlight below:

 

90 Day Warranty Fine Print

What Does the Warranty Cover?

Inclusions

Items reported to be in good working order at the time of inspection, limited to:

Mechanical Coverage:

  • Electrical: Main service panel, secondary service panel, and wiring
  • Plumbing: Water lines, faucets, water heaters, drain lines, gas lines
  • Appliances: Kitchen Appliances including and limited to oven, range, dishwasher, built-in microwave, trash compactor, and garbage disposal
  • Heating/Air (HVAC): Furnace, Air Conditioner, and Thermostats.

Structural Coverage

  • Poured Concrete & Block wall foundations.
  • Floor joists, bottom & top plates, and wall members.
  • Roof leak repair (does not include replacement of bad shingles), load bearing walls, attached garage doors

And now for the exclusions…

Exclusions

  • Secondary or consequential damages
  • Anything reported in to be in less than good working order
  • Water damage
  • Cosmetic repairs
  • Items that are inaccessible without the removal of drywall, concrete, or any other permanently installed covering
  • Refrigerators
  • Appliances, climate controls or fixtures older than 10 years
  • Plumbing stoppages, regardless of reason
  • Well or septic systems or any related components
  • Upgrading failed systems to meet current codes or local ordinances
  • Chimneys, fireplaces, or brick failures of any kind
  • Cracking or scaling concrete
  • Pest damage, including that caused by any and all wood destroying insects and pests
  • Damage caused by any peril is not covered by this contract, which includes but is not limited to; war, riot, civil commotion, earthquake, hurricane, any and all acts of god, or any other outside cause or neglect.

Warranty Limits

  • Mechanical Coverage is limited to an aggregate maximum of$500
  • Structural Coverage is limited to an aggregate maximum of $2000.

90 Days?

The warranty is limited to 90 days from the date of the inspection, or 22 days from closing whichever is greater. Most often a buyer takes possession of a home 30-60 days from the date of the inspection, leaving 30-60 days remaining of this warranty rather than 90 days from possession which was our first assumption when hearing of this warranty.

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