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

Yes
30%
No
23%
It varies by jurisdiction
42%
Not sure
2%
Next Question
Question: Are all home inspectors required to have "Errors and Omissions" coverage in case they miss an issue or problem?
Top Answer (42% of 246 votes): It varies by jurisdiction.

Answer: Yes
Explanation: We are fully certified and insured.
A Affordable Home Inspector LLC
Answer: It varies by jurisdiction
Explanation: In Texas Yes, in Arkansas No by law.
Eastridge Home Inspections of Arkansas, LLC
Answer: Not sure
Explanation: Pinkerton Inspection Agency does have full insurance on Errors and Omissions.
Pinkerton Inspection Agency LLC
ProMatcher
Answer: Yes
Explanation: This is a requirement for Massachusetts Licensing.
HouseMaster Home Inspections
Answer: Yes
Explanation: This is a requirement to be licensed in Texas.
Earley & Sons Property Inspections PLLC
Answer: It varies by jurisdiction
Explanation: The state of Tennessee requires all home inspectors to have E&O Insurance.
Wise-Up Home Inspection, LLC
ProMatcher
Answer: It varies by jurisdiction
Explanation: E & O insurance and General liability is a requirement in Texas. Other states may have other rules.
Space City Inspections, LLC
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.
Shedhorn Inspection Services, LLC
Answer: Yes
Explanation: The State of Florida require home inspectors to carry errors and omissions insurance.
Aspire Inspection Services
ProMatcher
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
Answer: Yes
Explanation: It is required to practice in Texas.
H&R PROFESSIONAL INSPECTIONS
ProMatcher
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
Answer: Yes
Explanation: always
Homeinspections123
ProMatcher
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
Answer: No
Explanation: However, make sure that the inspector that is checking your home is insured and has Errors and Omissions coverage to be protected.
Royalty Home Solutions, Inc
ProMatcher
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
Answer: It varies by jurisdiction
Explanation: not required but highly recommended
Huskey Home Inspection, LLC
ProMatcher
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
Answer: Yes
Explanation: It is a violation of state law to perform inspections without the necessary insurance.
Contractors Corp.
ProMatcher
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
Answer: It varies by jurisdiction
Explanation: We carry 1 million
Pacific Inspection Group
ProMatcher
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
Answer: It varies by jurisdiction
Explanation: In the State of Ohio it is not required for Home inspectors to be Insured or Certified. There is no governance on how they do business. Like all businesses if you pay $250 for an inspection on a 3000 SF home you can expect they miss something or will not do a good job. Anyone offering a Flat fee for all sizes of homes will not provide a thorough inspection. Their goal is Quantity versus Quality.
Look First Homes, LLC
ProMatcher
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
Answer: No
Explanation: E & O Insurance is not required in Indiana but is highly recommended.
House and Home Inspection Services
ProMatcher
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
Answer: It varies by jurisdiction
Explanation: While some home inspection companies don't have E&O insurance, carrying it as well as liability insurance covering accidental damage to the property is the best practice. Companies not carrying adequate insurance should be avoided.
J. Michael Simon, LLC
ProMatcher
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
Answer: Not sure
Explanation: I carry it as it just make good business sense. I would think a client would feel more comfortable know their inspector was covered.
ABC Home Inspections LLC
ProMatcher
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
Answer: Yes
Explanation: yes we carry $300,000 in errors and omissions. It is part of our license
American Home & Environmental
ProMatcher
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
Answer: Yes
Explanation: The Errors and Omissions coverage should be at least $250,000 for the home inspectors.
Kent Trader, LLC. Inspection Services
ProMatcher
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
Answer: No
Explanation: goes by state
G M M Property Inspections
ProMatcher
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
Answer: No
Explanation: Arkansas dose not require it.
iInspect
ProMatcher
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
Answer: Yes
Explanation: I carry this insurance, but I do try to be as thorough as possible.
A&T Home Inspections, Inc.
ProMatcher
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
Answer: No
Explanation: In the State of Florida, home inspectors are required to carry a liability insurance.
A Closer Look Property Inspections, LLC
ProMatcher
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
Answer: It varies by jurisdiction
Explanation: Good home inspectors carry E&O insurance
MC2 Home Inspections LLC
ProMatcher
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
Answer: Yes
Explanation: You need to have E&O if there is a liability issue at some point.
Straight Street Home & Structural Pest Inspections
ProMatcher
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
Answer: No
Explanation: no - we just are required in Florida to have liability.
Inspections by Randall LLC
ProMatcher
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
Answer: No
Explanation: Clients should ask if the inspector has E&O Insurance. You're at risk if the inspector is not insured.
Golden Home Inspections
ProMatcher
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
Answer: It varies by jurisdiction
Explanation: Some call themselves "self insured".
Cornish Home Inspections, Inc.
ProMatcher
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
Answer: It varies by jurisdiction
Explanation: Top Down Home Inspection LLC carries both Liability and Errors and Omissions coverage.
Top Down Home Inspection LLC
ProMatcher
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