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

Answer: It varies by jurisdiction
Explanation: Home Inspectors in Oklahoma are only required to carry Business General Liability insurance.

Answer: Yes
Explanation: We are fully certified and insured.

Answer: It varies by jurisdiction
Explanation: In Texas Yes, in Arkansas No by law.

Answer: No
Explanation: If an item is missed it not clearly documented to client satisfaction, a revisit may be requested.

Answer: Yes
Explanation: This is a requirement for Massachusetts Licensing.

Answer: Yes
Explanation: This is a requirement to be licensed in Texas.

Answer: It varies by jurisdiction
Explanation: I do carry Errors and Omissions coverage. Although I've never had to use it. My thoroughness allows me to capture just about everything.

Answer: It varies by jurisdiction
Explanation: E & O insurance and General liability is a requirement in Texas. Other states may have other rules.

Answer: It varies by jurisdiction
Explanation: Not all jurisdictions require home inspectors to carry O&M insurance, but it is a good idea to choose an inspector that does.

Answer: It varies by jurisdiction
Explanation: The state or jurisdiction may or may not require insurance.

Answer: It varies by jurisdiction
Explanation: Some states may require errors and omissions insurance while others may not.

Answer: It varies by jurisdiction
Explanation: I am not sure if this is required in all states.

Answer: Yes
Explanation: In Az all inspectors are to have E and O insurance and liability insurance

Answer: No
Explanation: Home inspectors are not required in some states but it is always good to make sure they do carry this coverage.

Answer: Not sure
Explanation: Most Inspectors will have E&O insurance as well as General Liability.

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.

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.

Answer: Not sure
Explanation: It is recommended in most cases.

Answer: Yes
Explanation: In the State of Texas it is required to have E&O insurance.

Answer: It varies by jurisdiction
Explanation: It is always a good idea to be insured.

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.

Answer: No
Explanation: Errors and omissions coverage is considered optional and not required to be carried by a New York state licensed home inspector

Answer: Yes
Explanation: Yes

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.

Answer: Yes
Explanation: If not, they should be.

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

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.

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.

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.

Answer: It varies by jurisdiction
Explanation: No inspector is required to carry such insurance but the more experienced often do

Answer: It varies by jurisdiction
Explanation: Inspectors should carry insurance, even if not required.

Answer: No
Explanation: Some inspectors only carry liability insurance ikcas of injury during the inspection.

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.

Answer: No
Explanation: In my state of Tennessee it is required however some states may not require licensing or insurance.

Answer: It varies by jurisdiction
Explanation: It depends on where you live.

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.

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.

Answer: It varies by jurisdiction
Explanation: In Texas yes.

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.

Answer: Yes
Explanation: You can always turn to defects that were not reported and ask why.

Answer: It varies by jurisdiction
Explanation: I carry Errors and Omissions per State law. Some States do not require anything. Consumer beware.

Answer: Yes
Explanation: A Balance Home Inspection has Errors and Omission coverage. It is a requirement by the Texas Real Estate Commission.

Answer: Yes
Explanation: In the state of PA we are required to carry both Errors and Omissions as well as General Liability insurance.

Answer: Yes
Explanation: In the state of Pennsylvania

Answer: No
Explanation: I do carry insurance personally but many do not.

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.

Answer: No
Explanation: In the state of Maine its not required but a good inspector will carry it to cover them selfs

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.

Answer: It varies by jurisdiction
Explanation: In Texas we must carry E&O insuarance

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

Answer: No
Explanation: We do!

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

Answer: No
Explanation: Some cheaper inspectors may not be insured. Ask your inspection company if they are insured, bonded and what warranties are included.

Answer: No
Explanation: This is not a state license requirement.

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.

Answer: It varies by jurisdiction
Explanation: I am only aware of AZ state standards. Insurance is not required if other criteria is met.

Answer: Yes
Explanation: yes this is state requirement

Answer: It varies by jurisdiction
Explanation: All should have some type of coverage.

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.

Answer: No
Explanation: It may vary, but in NYS E&O insurance is not required, only General Liability. A responsible inspector will carry both.

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.

Answer: No
Explanation: I choose to carry it

Answer: Yes
Explanation: Yes. At least in The state of Alabama its required

Answer: Yes
Explanation: Yes - in Pennsylvania

Answer: It varies by jurisdiction
Explanation: Not every state requires it. We are fully covered in Minnesota and Wisconsin

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

Answer: Yes
Explanation: At JC & E Home Inspection, all our inspectors have E & O insurance.

Answer: Yes
Explanation: In Louisiana you cannot be licensed without it.

Answer: Yes
Explanation: Required here

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.

Answer: No
Explanation: They generally have a clause in their contracts.

Answer: It varies by jurisdiction
Explanation: Some call themselves "self insured".

Answer: No
Explanation: A secured bond can be used in place of E&O insurance.

Answer: It varies by jurisdiction
Explanation: It is required in Indiana.

Answer: It varies by jurisdiction
Explanation: Top Down Home Inspection LLC carries both Liability and Errors and Omissions coverage.