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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
24%
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 243 votes): It varies by jurisdiction.

Answer: Not sure
Explanation: Pinkerton Inspection Agency does have full insurance on Errors and Omissions.
Pinkerton Inspection Agency LLC
Answer: No
Explanation: If an item is missed it not clearly documented to client satisfaction, a revisit may be requested.
Harris Business Professionals
Answer: Yes
Explanation: This is a requirement for Massachusetts Licensing.
HouseMaster Home Inspections
ProMatcher
Answer: It varies by jurisdiction
Explanation: The state of Tennessee requires all home inspectors to have E&O Insurance.
Wise-Up Home Inspection, LLC
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.
Mountain View Inspection Services
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
ProMatcher
Answer: Yes
Explanation: The State of Florida require home inspectors to carry errors and omissions insurance.
Aspire Inspection Services
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
ProMatcher
Answer: Yes
Explanation: It is required to practice in Texas.
H&R PROFESSIONAL INSPECTIONS
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
ProMatcher
Answer: Yes
Explanation: always
Homeinspections123
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
ProMatcher
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
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
ProMatcher
Answer: It varies by jurisdiction
Explanation: not required but highly recommended
Huskey Home Inspection, LLC
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
ProMatcher
Answer: Yes
Explanation: It is a violation of state law to perform inspections without the necessary insurance.
Contractors Corp.
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
ProMatcher
Answer: It varies by jurisdiction
Explanation: We carry 1 million
Pacific Inspection Group
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
ProMatcher
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
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
ProMatcher
Answer: No
Explanation: E & O Insurance is not required in Indiana but is highly recommended.
House and Home Inspection Services
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
ProMatcher
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
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
ProMatcher
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
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
ProMatcher
Answer: Yes
Explanation: yes we carry $300,000 in errors and omissions. It is part of our license
American Home & Environmental
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
ProMatcher
Answer: Yes
Explanation: The Errors and Omissions coverage should be at least $250,000 for the home inspectors.
Kent Trader, LLC. Inspection Services
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
ProMatcher
Answer: No
Explanation: goes by state
G M M Property Inspections
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
ProMatcher
Answer: No
Explanation: Arkansas dose not require it.
iInspect
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
ProMatcher
Answer: Yes
Explanation: I carry this insurance, but I do try to be as thorough as possible.
A&T Home Inspections, Inc.
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
ProMatcher
Answer: No
Explanation: In the State of Florida, home inspectors are required to carry a liability insurance.
A Closer Look Property Inspections, LLC
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
ProMatcher
Answer: It varies by jurisdiction
Explanation: Good home inspectors carry E&O insurance
MC2 Home Inspections LLC
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
ProMatcher
Answer: Yes
Explanation: You need to have E&O if there is a liability issue at some point.
Straight Street Home & Structural Pest Inspections
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
ProMatcher
Answer: No
Explanation: no - we just are required in Florida to have liability.
Inspections by Randall LLC
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
ProMatcher
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
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
ProMatcher
Answer: It varies by jurisdiction
Explanation: Some call themselves "self insured".
Cornish Home Inspections, Inc.
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
ProMatcher
Answer: It varies by jurisdiction
Explanation: Top Down Home Inspection LLC carries both Liability and Errors and Omissions coverage.
Top Down Home Inspection LLC
Answer: No
Explanation: All home inspectors are required to have general liability insurance
NK Home Inspection
Answer: Yes
Explanation: Required in massachusetts
Commonwealth Inspections
ProMatcher
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