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: In PA, home inspectors are supposed to carry E&O insurance, however there is no state agency that actually confirms that each inspector is properly insured. It is up to the home buyer to do their due diligence and confirm that an inspector needs the requirements of PA Act 114. Sadly, however, there is no enforcement of the law built into the verbiage of the law.

Answer: No
Explanation: Ground Zero Home Inspection, like many other home inspection businesses, is not legally required to possess Errors and Omissions (E&O) insurance coverage provided they have a well-drafted contract that has been signed and dated by the client. This contract serves as a legal shield, safeguarding home inspectors against potential legal issues or disputes that may arise during or after the inspection process. Essentially, it stipulates the scope of the inspector's duties and responsibilities, thereby limiting their liability in case of an unforeseen problem or omission. However, this does not negate the risks associated with accidental damage to the property during the inspection process. While a well-structured contract can provide a degree of legal protection, it may not cover accidental property damage caused during the inspection process. As such, it is prudent for Ground Zero Home Inspection and similar businesses to have at least general liability insurance. General liability insurance serves as an additional layer of financial protection against claims for physical injuries or property damage caused unintentionally during the inspection process. This type of insurance can cover potential legal costs and damage payouts, thereby protecting the inspector's business from significant financial losses. Therefore, while E&O insurance might not be a necessity with a comprehensive contract in place, general liability insurance remains a wise investment for home inspectors.

Answer: Yes
Explanation: State requires it

Answer: No
Explanation: It is not a requirement in Wisconsin. Having insurance is not a condition of the inspection. Mosat problems are solved by reviewing the condition report. If it it not disclosed that is an issue with the seller.

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

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: 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: It varies by jurisdiction
Explanation: The state of Tennessee requires all home inspectors to have E&O Insurance.

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: Yes
Explanation: The State of Florida require home inspectors to carry errors and omissions insurance.

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: Yes
Explanation: It is required to practice in Texas.

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: Yes
Explanation: always

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

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: Yes
Explanation: It is a violation of state law to perform inspections without the necessary 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: We carry 1 million

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: 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: 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: No
Explanation: E & O Insurance is not required in Indiana but is highly recommended.

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

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

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: goes by state

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: Arkansas dose not require it.

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

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

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: It varies by jurisdiction
Explanation: Good home inspectors carry E&O insurance

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: You need to have E&O if there is a liability issue at some point.

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

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

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.