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

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

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

Answer: Not sure
Explanation: Pinkerton Inspection Agency does have full insurance on Errors and Omissions.

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: The state of Tennessee requires all home inspectors to have E&O Insurance.

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: Yes
Explanation: The State of Florida require home inspectors to carry errors and omissions 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: It is required to practice in Texas.

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: Yes
Explanation: always

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: No
Explanation: However, make sure that the inspector that is checking your home is insured and has Errors and Omissions coverage to be protected.

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: It varies by jurisdiction
Explanation: not required but highly recommended

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: It is a violation of state law to perform inspections without the necessary insurance.

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: We carry 1 million

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: 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.

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: E & O Insurance is not required in Indiana but is highly recommended.

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: 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.

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: 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.

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: yes we carry $300,000 in errors and omissions. It is part of our license

Answer: Yes
Explanation: In the state of Pennsylvania

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

Answer: Yes
Explanation: The Errors and Omissions coverage should be at least $250,000 for the home inspectors.

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: No
Explanation: goes by state

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: No
Explanation: Arkansas dose not require it.

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: Yes
Explanation: I carry this insurance, but I do try to be as thorough as possible.

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: No
Explanation: In the State of Florida, home inspectors are required to carry a liability insurance.

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: It varies by jurisdiction
Explanation: Good home inspectors carry E&O 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: You need to have E&O if there is a liability issue at some point.

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: No
Explanation: no - we just are required in Florida to have liability.

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

Answer: Yes
Explanation: Required here

Answer: No
Explanation: Clients should ask if the inspector has E&O Insurance. You're at risk if the inspector is not insured.

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

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

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.