Limiting Buyer Protection?
Are New Inspection Requirements Limiting Buyer Protection?
In Marion County, some developers have introduced new requirements for private home inspectors hired by buyers. To inspect newly built homes, inspectors must carry at least one million dollars in auto insurance and two million dollars in liability coverage, on top of existing coverage like errors and omissions. In my experience, I was told these requirements were necessary to enter the development.
The Value of an Independent Inspection
Inspectors already invest heavily in education, training, and insurance to help buyers understand what they’re purchasing, so there are fewer surprises with costs, repairs, or replacements after move-in.
How Access Limits Affect Inspections
These added requirements can raise costs and limit how thoroughly we can inspect, especially with rules like no roof access and only partial attic access. That can make it harder for inspectors to do their jobs and for buyers to get an independent, unbiased assessment.
What This Could Mean for Buyers
If this continues, it could become more expensive for buyers to truly know what they’re buying. You have to wonder whether these rules discourage inspections that protect the public.
What Buyers Should Ask Before an Inspection
Buyers should ask early about inspection requirements and any limits on access. Be cautious if a builder tries to steer you to a specific inspector instead of allowing your own independent choice. An impartial inspection helps protect you and your investment.