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	<title>Comments on: Dirty Little Secrets Of Home Inspections</title>
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		<title>By: verda</title>
		<link>http://www.bankaholic.com/finance/dirty-little-secrets-of-home-inspections/comment-page-1/#comment-35351</link>
		<dc:creator>verda</dc:creator>
		<pubDate>Sat, 26 Mar 2011 01:35:27 +0000</pubDate>
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		<description>i need to know if it is ethicle to bring a contractor with an inspectorer</description>
		<content:encoded><![CDATA[<p>i need to know if it is ethicle to bring a contractor with an inspectorer</p>
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		<title>By: LGB</title>
		<link>http://www.bankaholic.com/finance/dirty-little-secrets-of-home-inspections/comment-page-1/#comment-31328</link>
		<dc:creator>LGB</dc:creator>
		<pubDate>Thu, 26 Aug 2010 16:22:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.bankaholic.com/finance/?p=1415#comment-31328</guid>
		<description>Most attorneys will require a home inspection or the deal may not close...also, buyers need to be more honest with their agents and say hey, i want my inspector to be thorough and i want you back me up or to go take a seat on the couch...the agent doesn&#039;t have to be everywhere the home inspector is nor do most agents truly understand the product in which they are selling (that would be the home...structure-electrical-plumbing-etc)...think about this for a minute...do they really know what a good home inspector knows about a home (and forget about using a contractor...they don&#039;t know the home inspectors job either...i don&#039;t care how good they are)....and yes, the agents want to make money just like everyone else and we all don&#039;t blame them...but not at the expensive of someones life...selling a home is alot different then selling a car or other products...agents just need to be better listeners and less know it alls...just because they have been on a few hundred home inspections does not make them a home inspector nor a home expert....hire a good home inspector and say &quot;hey buddy&quot;, you are working for me and only me...so do your best and write it up...if the selling and agent don&#039;t like it then that is too bad....&quot;AND THAT IS THE LAW&quot;!!!</description>
		<content:encoded><![CDATA[<p>Most attorneys will require a home inspection or the deal may not close&#8230;also, buyers need to be more honest with their agents and say hey, i want my inspector to be thorough and i want you back me up or to go take a seat on the couch&#8230;the agent doesn&#8217;t have to be everywhere the home inspector is nor do most agents truly understand the product in which they are selling (that would be the home&#8230;structure-electrical-plumbing-etc)&#8230;think about this for a minute&#8230;do they really know what a good home inspector knows about a home (and forget about using a contractor&#8230;they don&#8217;t know the home inspectors job either&#8230;i don&#8217;t care how good they are)&#8230;.and yes, the agents want to make money just like everyone else and we all don&#8217;t blame them&#8230;but not at the expensive of someones life&#8230;selling a home is alot different then selling a car or other products&#8230;agents just need to be better listeners and less know it alls&#8230;just because they have been on a few hundred home inspections does not make them a home inspector nor a home expert&#8230;.hire a good home inspector and say &#8220;hey buddy&#8221;, you are working for me and only me&#8230;so do your best and write it up&#8230;if the selling and agent don&#8217;t like it then that is too bad&#8230;.&#8221;AND THAT IS THE LAW&#8221;!!!</p>
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		<title>By: Will Decker</title>
		<link>http://www.bankaholic.com/finance/dirty-little-secrets-of-home-inspections/comment-page-1/#comment-31214</link>
		<dc:creator>Will Decker</dc:creator>
		<pubDate>Mon, 16 Aug 2010 23:08:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.bankaholic.com/finance/?p=1415#comment-31214</guid>
		<description>A couple of things, here:

To Tena:  I am sorry for your loss.  Please believe that as a licensed home inspector, and am instructor, I too want to make sure that bad inspectors are drummed out of the business, just as I want to make sure that all bad builders are also, legally, required to make the homeowners whole.

As to furnace heat exchangers:  A &quot;cracked&quot; heat exchanger cannot be determined, especially in the new min or high efficiency furnaces without dismanteling (destructively) the furnace.  To be clear, no professional HVAC tech (not state licensed, in Illinois, BTW) will say, point blank, that the exchanger is cracked without doing a VERY invasive inspection.  Remember, the inspector and the client do not, at the time of the inspection, own the house.  I have called out,. a number of times, my suspected judgement about a cracked exchanger (based upon high CO readings) and recommended that the buyer have the furnace inspected by an HVAC tech, but the tech cannot do such an inspection unless the current owner allows an invasive inspection.

To all:  I would LOVE for the writer of this article to call me and discuss his inaccuracies, which I can prove and verify.  If he is being intellectually honest, he will do so.

Contact me through my web site, www.DeckerHomeServices.com and we can talk.

Hope this helps;</description>
		<content:encoded><![CDATA[<p>A couple of things, here:</p>
<p>To Tena:  I am sorry for your loss.  Please believe that as a licensed home inspector, and am instructor, I too want to make sure that bad inspectors are drummed out of the business, just as I want to make sure that all bad builders are also, legally, required to make the homeowners whole.</p>
<p>As to furnace heat exchangers:  A &#8220;cracked&#8221; heat exchanger cannot be determined, especially in the new min or high efficiency furnaces without dismanteling (destructively) the furnace.  To be clear, no professional HVAC tech (not state licensed, in Illinois, BTW) will say, point blank, that the exchanger is cracked without doing a VERY invasive inspection.  Remember, the inspector and the client do not, at the time of the inspection, own the house.  I have called out,. a number of times, my suspected judgement about a cracked exchanger (based upon high CO readings) and recommended that the buyer have the furnace inspected by an HVAC tech, but the tech cannot do such an inspection unless the current owner allows an invasive inspection.</p>
<p>To all:  I would LOVE for the writer of this article to call me and discuss his inaccuracies, which I can prove and verify.  If he is being intellectually honest, he will do so.</p>
<p>Contact me through my web site, <a href="http://www.DeckerHomeServices.com" rel="nofollow">http://www.DeckerHomeServices.com</a> and we can talk.</p>
<p>Hope this helps;</p>
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		<title>By: Tena H</title>
		<link>http://www.bankaholic.com/finance/dirty-little-secrets-of-home-inspections/comment-page-1/#comment-31035</link>
		<dc:creator>Tena H</dc:creator>
		<pubDate>Mon, 02 Aug 2010 21:29:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.bankaholic.com/finance/?p=1415#comment-31035</guid>
		<description>I will never trust another home inspector.  We had a home inspection done on the house we purchased.  The inspector reported the wiring was all copper and in acceptable shape.  Two months after we closed on the house it caught on fire, after the fire department and the electrian inspected the house we were told the house had all aluminum wiring in it and it was not only rotted at the conductors all the wall recepticles had copper only plugs and swithes on the aluminum wiring.  Now I lost my mother to a fire because of this kind of wiring and told the inspector specifically to check for aluminum.  and because of his dirty little contract that said he would not be held responsible for any mistakes, error or ommissions he got away with it.  This inspector came highly recommended and was licensed and bragged he had years with a Power Company.  What he didn&quot;t say was it was working in the office.  Nasty Little&gt;&gt;&gt;&gt;&gt; Never trust one!!!!!!!!</description>
		<content:encoded><![CDATA[<p>I will never trust another home inspector.  We had a home inspection done on the house we purchased.  The inspector reported the wiring was all copper and in acceptable shape.  Two months after we closed on the house it caught on fire, after the fire department and the electrian inspected the house we were told the house had all aluminum wiring in it and it was not only rotted at the conductors all the wall recepticles had copper only plugs and swithes on the aluminum wiring.  Now I lost my mother to a fire because of this kind of wiring and told the inspector specifically to check for aluminum.  and because of his dirty little contract that said he would not be held responsible for any mistakes, error or ommissions he got away with it.  This inspector came highly recommended and was licensed and bragged he had years with a Power Company.  What he didn&#8221;t say was it was working in the office.  Nasty Little&gt;&gt;&gt;&gt;&gt; Never trust one!!!!!!!!</p>
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		<title>By: ashley</title>
		<link>http://www.bankaholic.com/finance/dirty-little-secrets-of-home-inspections/comment-page-1/#comment-30067</link>
		<dc:creator>ashley</dc:creator>
		<pubDate>Wed, 12 May 2010 01:36:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.bankaholic.com/finance/?p=1415#comment-30067</guid>
		<description>inspectors suck.  they have no clue what they are looking at. i can turn on the damn faucet and flush the toilet.  please, wtf was do they do?  no recommendations, everything is speculation.  everything he said, i saw with my own eyes. waste of money.</description>
		<content:encoded><![CDATA[<p>inspectors suck.  they have no clue what they are looking at. i can turn on the damn faucet and flush the toilet.  please, wtf was do they do?  no recommendations, everything is speculation.  everything he said, i saw with my own eyes. waste of money.</p>
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		<title>By: Ken</title>
		<link>http://www.bankaholic.com/finance/dirty-little-secrets-of-home-inspections/comment-page-1/#comment-29793</link>
		<dc:creator>Ken</dc:creator>
		<pubDate>Sun, 25 Apr 2010 07:55:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.bankaholic.com/finance/?p=1415#comment-29793</guid>
		<description>This article was obviously written by a person who took the home inspection license exam and FLUNKED.</description>
		<content:encoded><![CDATA[<p>This article was obviously written by a person who took the home inspection license exam and FLUNKED.</p>
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		<title>By: Billy</title>
		<link>http://www.bankaholic.com/finance/dirty-little-secrets-of-home-inspections/comment-page-1/#comment-28582</link>
		<dc:creator>Billy</dc:creator>
		<pubDate>Sat, 06 Feb 2010 04:35:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.bankaholic.com/finance/?p=1415#comment-28582</guid>
		<description>CrankySaver (Author of this story),

When are you gonna post a piece about the &quot;Dirty Little Secrets of the Mortgage Industry&quot;?</description>
		<content:encoded><![CDATA[<p>CrankySaver (Author of this story),</p>
<p>When are you gonna post a piece about the &#8220;Dirty Little Secrets of the Mortgage Industry&#8221;?</p>
]]></content:encoded>
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	<item>
		<title>By: Billy</title>
		<link>http://www.bankaholic.com/finance/dirty-little-secrets-of-home-inspections/comment-page-1/#comment-28581</link>
		<dc:creator>Billy</dc:creator>
		<pubDate>Sat, 06 Feb 2010 04:24:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.bankaholic.com/finance/?p=1415#comment-28581</guid>
		<description>Jnn,

Do your homework before you talk about the &quot;real scoop&quot; in Texas. Very limited in what they can report to a client? Really? Have you even read the TREC Standards of Practice? Also, Home Inspectors in Texas who find a termite infestation &quot;are only allowed to recommend a pest control contractor&quot; because the state requires a license from the Structural Pest Control Board before someone can legally perform a termite inspection. Some home inspectors do have this license and do document the infestation on a separate Wood Destroying Insect Report.

As for obtaining a license to inspect homes in Texas you&#039;re only telling part of the story. Their are two paths which can be taken to obtain your license. Only one of those paths requires an apprenticeship and sponsorship of a Professional Inspector.

Most inspectors have no idea....? Bribed their way to a license? Relatives lying? Slimeball slugs? 

Someone sounds bitter. Couldn&#039;t pass the exam?

Knowledge is power my friend or perhaps in your case, Ignorance is bliss. Check out the link:

http://www.trec.state.tx.us/inspector/default.asp</description>
		<content:encoded><![CDATA[<p>Jnn,</p>
<p>Do your homework before you talk about the &#8220;real scoop&#8221; in Texas. Very limited in what they can report to a client? Really? Have you even read the TREC Standards of Practice? Also, Home Inspectors in Texas who find a termite infestation &#8220;are only allowed to recommend a pest control contractor&#8221; because the state requires a license from the Structural Pest Control Board before someone can legally perform a termite inspection. Some home inspectors do have this license and do document the infestation on a separate Wood Destroying Insect Report.</p>
<p>As for obtaining a license to inspect homes in Texas you&#8217;re only telling part of the story. Their are two paths which can be taken to obtain your license. Only one of those paths requires an apprenticeship and sponsorship of a Professional Inspector.</p>
<p>Most inspectors have no idea&#8230;.? Bribed their way to a license? Relatives lying? Slimeball slugs? </p>
<p>Someone sounds bitter. Couldn&#8217;t pass the exam?</p>
<p>Knowledge is power my friend or perhaps in your case, Ignorance is bliss. Check out the link:</p>
<p><a href="http://www.trec.state.tx.us/inspector/default.asp" rel="nofollow">http://www.trec.state.tx.us/inspector/default.asp</a></p>
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	<item>
		<title>By: Jnn</title>
		<link>http://www.bankaholic.com/finance/dirty-little-secrets-of-home-inspections/comment-page-1/#comment-28359</link>
		<dc:creator>Jnn</dc:creator>
		<pubDate>Thu, 21 Jan 2010 22:35:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.bankaholic.com/finance/?p=1415#comment-28359</guid>
		<description>There is conflicting information that can be confusing.  First of all, if someone is actually knowledgable enough to perform a thorough home inspection, they are very limited in what they can report to the client.  There are standard reporting procedures that are very limiting.  For instance, they will make a comment about a leaky faucet, however, if they find a giant termite infestation, they are only alowed to &quot;recommend you engage the services of a qualified pest control contractor.&quot;  90% of the inspections are a feel good thing.  

But here&#039;s the real scoop on the industry (at least in Texas).  The process for obtaining a license requires you be sponsored by a &quot;professional inspector.&quot;  That sounds great, right?  When you are an apprentice, you contact a professional to sponsor you and they want $5,000 minimuim up front.  For that, they simply put their initials on your inspection reports until you perform enough inspections to become a &quot;professional inspector&quot; yourself.  

Most of the inspectors out there have no idea what the heck they are looking at.  They have either bribed their way to a license or have a friend or relative who lied for them in order to obtain their license.  It is so crooked an industry you can not even to begin to imagine.  They are slimeball slugs.</description>
		<content:encoded><![CDATA[<p>There is conflicting information that can be confusing.  First of all, if someone is actually knowledgable enough to perform a thorough home inspection, they are very limited in what they can report to the client.  There are standard reporting procedures that are very limiting.  For instance, they will make a comment about a leaky faucet, however, if they find a giant termite infestation, they are only alowed to &#8220;recommend you engage the services of a qualified pest control contractor.&#8221;  90% of the inspections are a feel good thing.  </p>
<p>But here&#8217;s the real scoop on the industry (at least in Texas).  The process for obtaining a license requires you be sponsored by a &#8220;professional inspector.&#8221;  That sounds great, right?  When you are an apprentice, you contact a professional to sponsor you and they want $5,000 minimuim up front.  For that, they simply put their initials on your inspection reports until you perform enough inspections to become a &#8220;professional inspector&#8221; yourself.  </p>
<p>Most of the inspectors out there have no idea what the heck they are looking at.  They have either bribed their way to a license or have a friend or relative who lied for them in order to obtain their license.  It is so crooked an industry you can not even to begin to imagine.  They are slimeball slugs.</p>
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		<title>By: Paul Forrest</title>
		<link>http://www.bankaholic.com/finance/dirty-little-secrets-of-home-inspections/comment-page-1/#comment-28253</link>
		<dc:creator>Paul Forrest</dc:creator>
		<pubDate>Thu, 14 Jan 2010 21:00:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.bankaholic.com/finance/?p=1415#comment-28253</guid>
		<description>When I bought my home, I did my own homework and hired a home inspector of my choosing, not one recommended by the real estate agent.

The inspector did a great job. He found a number of minor flaws we had missed in our walk-through. Tiny flecks of paint on the stove trim led to a discovery that the ceiling above the stove had been recently repaired, which led to a discovery of some quick harry homeowner fixes on the upstairs bathroom plumbing directly above.

The fan in the furnace was squeeking a bit on startup. He told us he expected it would likely not last long (turned out that he was right, we had to replace it the next winter).

He found a list of about twenty items. Most were minor, and we ended up re-negotiating a better purchase price with the seller. He did point out that the external and internal units for the heat pump were mismatched, and would likely be inefficient as a result. We took that into consideration when we re-negotiated our purchase price too, after checking with an HVAC company as to what that would cost us to correct. In all, we got the house for a discount, fixed what he&#039;d found as we needed to, and came out several thousand dollars ahead.

The inspector also left us with a 3-ring binder that was several inches thick and had a lot of information in it regarding typical lifecycles of appliances, what applaince replacement costs typically run, energy efficiency info, and information about dealing with contractors for various types of repairs and projects. It&#039;s been useful.

We&#039;ve been in this house for many years now, and I can&#039;t think of anything we&#039;ve come across that had not already been called out by the inspector, so at least in my case, the inspector I hired did a great job.

He wasn&#039;t the cheapest guy around, but you get what you pay for.

If you want someone who will protect your interests, hire them yourself. Don&#039;t rely on an agent who has a vested interest in closing the deal quickly. That&#039;s just common sense.

btw - I&#039;ve also used a settlement attorney both times I&#039;ve bought homes. Yes, it cost me several hundred dollars to have them review the paperwork. On the other hand, they&#039;ve in both cases saved me more than they cost me by finding overcharges on settlement fees, not to mention the peace of mind that comes from having had the contracts I was signing reviewed by a third party obligated to look after my interests. 

I dont think this article was very well researched. It slams an entire profession, and hiring a general contractor to inspect a home you are buying rather than a home inspector is probably bad advice. It might not be legal in your location, and it probably won&#039;t meet your lendor&#039;s requirements either, so check both before you decide. I would suggest you hire a qualified inspector, but find your own and check their qualifications.

Just my $.02 based on having bought all of two homes in my life ... 

(and no, I&#039;m not a home inspector ... I&#039;m a professional computer geek)</description>
		<content:encoded><![CDATA[<p>When I bought my home, I did my own homework and hired a home inspector of my choosing, not one recommended by the real estate agent.</p>
<p>The inspector did a great job. He found a number of minor flaws we had missed in our walk-through. Tiny flecks of paint on the stove trim led to a discovery that the ceiling above the stove had been recently repaired, which led to a discovery of some quick harry homeowner fixes on the upstairs bathroom plumbing directly above.</p>
<p>The fan in the furnace was squeeking a bit on startup. He told us he expected it would likely not last long (turned out that he was right, we had to replace it the next winter).</p>
<p>He found a list of about twenty items. Most were minor, and we ended up re-negotiating a better purchase price with the seller. He did point out that the external and internal units for the heat pump were mismatched, and would likely be inefficient as a result. We took that into consideration when we re-negotiated our purchase price too, after checking with an HVAC company as to what that would cost us to correct. In all, we got the house for a discount, fixed what he&#8217;d found as we needed to, and came out several thousand dollars ahead.</p>
<p>The inspector also left us with a 3-ring binder that was several inches thick and had a lot of information in it regarding typical lifecycles of appliances, what applaince replacement costs typically run, energy efficiency info, and information about dealing with contractors for various types of repairs and projects. It&#8217;s been useful.</p>
<p>We&#8217;ve been in this house for many years now, and I can&#8217;t think of anything we&#8217;ve come across that had not already been called out by the inspector, so at least in my case, the inspector I hired did a great job.</p>
<p>He wasn&#8217;t the cheapest guy around, but you get what you pay for.</p>
<p>If you want someone who will protect your interests, hire them yourself. Don&#8217;t rely on an agent who has a vested interest in closing the deal quickly. That&#8217;s just common sense.</p>
<p>btw &#8211; I&#8217;ve also used a settlement attorney both times I&#8217;ve bought homes. Yes, it cost me several hundred dollars to have them review the paperwork. On the other hand, they&#8217;ve in both cases saved me more than they cost me by finding overcharges on settlement fees, not to mention the peace of mind that comes from having had the contracts I was signing reviewed by a third party obligated to look after my interests. </p>
<p>I dont think this article was very well researched. It slams an entire profession, and hiring a general contractor to inspect a home you are buying rather than a home inspector is probably bad advice. It might not be legal in your location, and it probably won&#8217;t meet your lendor&#8217;s requirements either, so check both before you decide. I would suggest you hire a qualified inspector, but find your own and check their qualifications.</p>
<p>Just my $.02 based on having bought all of two homes in my life &#8230; </p>
<p>(and no, I&#8217;m not a home inspector &#8230; I&#8217;m a professional computer geek)</p>
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