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Are all home inspectors required to have "Errors and Omissions" coverage in case they miss an issue or problem?

Yes
28%
No
25%
It varies by jurisdiction
43%
Not sure
2%
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Question: Are all home inspectors required to have "Errors and Omissions" coverage in case they miss an issue or problem?
Top Answer (43% of 224 votes): It varies by jurisdiction.

Answer: It varies by jurisdiction
Explanation: The state or jurisdiction may or may not require insurance.
Reality Property Inspections
Answer: It varies by jurisdiction
Explanation: Some states may require errors and omissions insurance while others may not.
HomeScope Property Inspection Services LLC
Answer: It varies by jurisdiction
Explanation: I am not sure if this is required in all states.
Safeguard Home Inspection, LLC
ProMatcher
Answer: Yes
Explanation: In Az all inspectors are to have E and O insurance and liability insurance
TnT Home Inspections
Answer: No
Explanation: Home inspectors are not required in some states but it is always good to make sure they do carry this coverage.
Heritage Inspectors
Answer: Not sure
Explanation: Most Inspectors will have E&O insurance as well as General Liability.
Moran Property Inspections
ProMatcher
Answer: No
Explanation: i personally carry coverage for just that, but alot of inspectors dont. I have never missed an item but we are human and we make mistakes in my contract i just refund the fee.
Property Repair Service & Inspections
Answer: No
Explanation: A good inspection is completed by a certified inspector who has a proper inspection check list and forms or reports. Certification is being trained by a certified comapny.
North State Inspections
Answer: Not sure
Explanation: It is recommended in most cases.
Kairos Home Inspections
ProMatcher
Answer: Yes
Explanation: In the State of Texas it is required to have E&O insurance.
Blackland Home Inspections
Answer: It varies by jurisdiction
Explanation: It is always a good idea to be insured.
Inspection Pro
Answer: Yes
Explanation: It is required by law to have insurance that covers "errors and Omissions" in there policy. Inspectors can't catch everything, although they try. The inspection is based on a visual inspection at the time of the inspection. They cannot predict when an appliance or HVAC system is on its last leg or has a system failure. Or if it hasn't rained in months and the inspector sees no signs of water penetrating the roof by an inspection of the attic, that in 2 weeks after the inspection has been completed there is a leaky roof causing water damage to the ceilings and walls.
Meadow Brook Home Inspection
ProMatcher
Answer: No
Explanation: Errors and omissions coverage is considered optional and not required to be carried by a New York state licensed home inspector
Able Home Inspections
Answer: Yes
Explanation: Yes
Allied Services Home Inspection
Answer: It varies by jurisdiction
Explanation: The State of NH does not require errors and Omissions insurance but you should inquire if the inspector does. I do carry Liability and EO insurance.
Millyard Home Inspection
ProMatcher
Answer: Yes
Explanation: If not, they should be.
Brewer Contract Consulting
Answer: It varies by jurisdiction
Explanation: While not required its is very important that a reputable company maintain E&O coverage as well as general liability insurance. We carry E&O and general liability with $1,000,000/$1,000,000 overages
Gilded Leaf Home Inspections LLC
Answer: It varies by jurisdiction
Explanation: Depending on your state. The state of Texas requires all inspectors to carry at a minimum $100k in E&O coverage.
Morrow Inspection Services, PLLC
ProMatcher
Answer: It varies by jurisdiction
Explanation: E&O requirements vary by jurisdiction. NY state does not require EE&O insurance. General liability is the only insurance requirement for performing a home inspection in NY State.
InFocus Inspection
Answer: Yes
Explanation: New Jersey Require Errors and Omissions Insurance. If a hame inspector has a valid New Jersey Home Inspectors License they had to prove they have the required insurance, Liability insurance should also be part of that policy.
Best Choice Inspections
Answer: It varies by jurisdiction
Explanation: No inspector is required to carry such insurance but the more experienced often do
At Ease Home Inspection
ProMatcher
Answer: It varies by jurisdiction
Explanation: Inspectors should carry insurance, even if not required.
Riverbend Property Inspections LLC
Answer: No
Explanation: Some inspectors only carry liability insurance ikcas of injury during the inspection.
Smart Choice Home Inspections of WNY
Answer: It varies by jurisdiction
Explanation: Some states have this requirement yet some don't. We took a poll at a Wisconsin seminar once and I was surprised how many inspectors are uninsured.
Honest Home Inspections & Milwaukee Mold Inspector
ProMatcher
Answer: No
Explanation: In my state of Tennessee it is required however some states may not require licensing or insurance.
840 Inspections
Answer: It varies by jurisdiction
Explanation: It depends on where you live.
Home Inspection Solutions
Answer: It varies by jurisdiction
Explanation: Ray REI has all insurances GLC and E&OF for the protection of both the consumer and inspection company.
Ray REI
ProMatcher
Answer: No
Explanation: Many inspection companies DO NOT have E&O insurance. These are to be avoided for the reasons identified in the question. I carry not only E&O insurance but other liability insurance to cover missed items,accidental damage to the property, as well as insurance to cover any of my inspectors should they be hurt while inspecting the property.
Rightway Residential Home Inspections
Answer: It varies by jurisdiction
Explanation: In Texas yes.
MTK Inspection Services
Answer: It varies by jurisdiction
Explanation: Errors and Omissions" coverage is usually required for a licensed inspector. The law in each state is different with this requirement. However, it is a great investment for the inspector.
Certified Real Estate Inspectors
ProMatcher
Answer: Yes
Explanation: You can always turn to defects that were not reported and ask why.
Your Home Property Consultants
Answer: It varies by jurisdiction
Explanation: I carry Errors and Omissions per State law. Some States do not require anything. Consumer beware.
A Better Choice Home Inspection, Co
Answer: Yes
Explanation: A Balance Home Inspection has Errors and Omission coverage. It is a requirement by the Texas Real Estate Commission.
A Balance Home Inspection
ProMatcher
Answer: Yes
Explanation: In the state of PA we are required to carry both Errors and Omissions as well as General Liability insurance.
Rife Home Inspections LLC
Answer: Yes
Explanation: In the state of Pennsylvania
J.R.T Home Inspection LLc
Answer: No
Explanation: I do carry insurance personally but many do not.
Pro-Tech Home Inspection llc
ProMatcher
Answer: No
Explanation: No, it is not a requirement for a home inspector in California to have insurance, however, Coast Home Inspection is fully insured.
Coast Home Inspection
Answer: No
Explanation: In the state of Maine its not required but a good inspector will carry it to cover them selfs
A & H PROPERTIES
Answer: No
Explanation: It depends on the state the inspection performed. It is smart to have O&E insurance no matter where the inspection is performed.
Corley Home Inspections, LLC
ProMatcher
Answer: It varies by jurisdiction
Explanation: In Texas we must carry E&O insuarance
Hancock Consulting & Inspections, PLLC
Answer: It varies by jurisdiction
Explanation: Patrick Erb Home Inspection Services Licensed Home Inspection AL # HI3083 HUD # 638 erbhomeservices@gmail.com 205-412-5256 More Information About Me http://erbhomeservices.wix.com/patrickerb www.promatcher.com/ErbHomeServicesInspection http://www.youtube.com/watch?v=f94FUNkxZX0&feature=share
Patrick Erb Home Services INSPECTION AL#HI3083
Answer: No
Explanation: We do!
AHI Residential & Commercial Inspections
ProMatcher
Answer: It varies by jurisdiction
Explanation: It varies by jurisdiction and state requirements, but yes they should or at very least have professional liability insurance
JKM Home Inspections
Answer: No
Explanation: Some cheaper inspectors may not be insured. Ask your inspection company if they are insured, bonded and what warranties are included.
Brighton Home Inspection
Answer: No
Explanation: This is not a state license requirement.
Certipro Home Inspections
ProMatcher
Answer: It varies by jurisdiction
Explanation: In the state of Florida it is a licensing requirement by the state to be insured. While it is always a great idea and many times a requirement to be insured, we at Connected Inspectors are both licensed and insured and fortunately are focused and care for our clients best interests that we have never had a claim.
Connected Services Group, LLC
Answer: It varies by jurisdiction
Explanation: I am only aware of AZ state standards. Insurance is not required if other criteria is met.
Legacy Home Inspection & Appraisal LLC
Answer: Yes
Explanation: yes this is state requirement
Phoenix Home Inspections LLC
ProMatcher
Answer: It varies by jurisdiction
Explanation: All should have some type of coverage.
ATM Home Inspection
Answer: It varies by jurisdiction
Explanation: The State of Ohio requires only General Liability Insurance for Home Inspectors. Pennsylvania requires General Liability AND Errors and Omissions insurance of $500,000 limits.
Higher Standards Property Solutions LLC
Answer: No
Explanation: It may vary, but in NYS E&O insurance is not required, only General Liability. A responsible inspector will carry both.
A Home Detective Inspection Service
ProMatcher
Answer: No
Explanation: By the State of Arizona home inspectors are required to show proof of financial responsibility such as a bond, error and omission insurance or any other type of insurance.
Wilson Property Inspection, LLC
Answer: No
Explanation: I choose to carry it
Greenbush Property Services LLc
Answer: Yes
Explanation: Yes. At least in The state of Alabama its required
Kgm home inspections
ProMatcher
Answer: Yes
Explanation: Yes - in Pennsylvania
Chase Home Inspection
Answer: It varies by jurisdiction
Explanation: Not every state requires it. We are fully covered in Minnesota and Wisconsin
Valley Home Inspectors LLC
Answer: It varies by jurisdiction
Explanation: It vary by state, however nobody is perfect and a responsible inspector will carry it. Clients should always ask
Gate House Watch and Inspection Service
ProMatcher
Answer: Yes
Explanation: At JC & E Home Inspection, all our inspectors have E & O insurance.
JC & E Home Inspection
Answer: Yes
Explanation: In Louisiana you cannot be licensed without it.
Powell Home Inspection LLC
Answer: Yes
Explanation: Required here
1st Call Home Inspections LLC
ProMatcher
Answer: It varies by jurisdiction
Explanation: The inspection report reflects the findings of the inspector at the time of the inspection. General liability insurance is sufficient in some areas.
Thill Home Inspections, LLC
Answer: No
Explanation: They generally have a clause in their contracts.
Team Texas Construction, LLC
Answer: It varies by jurisdiction
Explanation: Home Inspectors in Oklahoma are only required to carry Business General Liability insurance.
Preferred Real Estate Inspections, LLC
ProMatcher
Answer: It varies by jurisdiction
Explanation: Some jurisdictions require E&O. It is wise to have E&O coverage.
1st Choice Home Inspections
Answer: No
Explanation: A secured bond can be used in place of E&O insurance.
Carolina Regional Inspection Services
Answer: It varies by jurisdiction
Explanation: It is required in Indiana.
Black Dog Home Inspections, LLC
ProMatcher
Answer: No
Explanation: All home inspectors are required to have general liability insurance
NK Home Inspection
Answer: Yes
Explanation: Required in massachusetts
Commonwealth Inspections
Answer: Yes
Explanation: An inspector should cover their self
Professional Home Inspection Services LLC
ProMatcher
Answer: Yes
Explanation: I have the necessary insurance required.
Middleton Home Inspection
Answer: It varies by jurisdiction
Explanation: some states are different in the amounts for E & O.
Texas Mold Consultants
Answer: It varies by jurisdiction
Explanation: Although it might not be a license requirement in all areas of the country, you should hire a inspector who does carry E&O insurance.
Space Coast Home Inspections LLC
ProMatcher
Answer: No
Explanation: Some States require it, but not in New York State
Landry Professional Home Services
Answer: No
Explanation: Not required in the State of Indiana, unless Inspectors continue to make mistakes it may be changed.
Todd Professional Home Inspection Services, LLC
Answer: Yes
Explanation: This is set by the state.
Bruce Property Inspections
ProMatcher
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