Should I give a copy of the home inspection report to the bank or insurance company?

Tuesday, August 21, 2018

Not if there is any way you can avoid it. And definitely do not bring up the fact that you have had a home inspection or volunteer to send them a report. A comprehensive home inspection report is simply more information than is necessary for an underwriter to make a determination as to whether to approve a mortgage or issue a homeowners policy. 

   If either of them insist on receiving a report, we suggest that you offer to provide a four-point inspection report. The company that did your original home inspection provide can usually provide one at a nominal additional cost. A “four point” provides basic information about the four main components of a home that mortgage lenders and insurance companies are concerned about: 1) the roof, 2) electrical system, 3) plumbing system, and 4) heating and air conditioning system.

    Your insurance company in Florida may also request a wind mitigation inspection report, which is a separate inspection that evaluates the hurricane resistance of your home for possible insurance premium discounts.

    Also, see our blog post How can I make sure I don't get screwed on my home inspection?

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  To learn more strategies for getting the best possible home inspection, here’s a few of our other blog posts:

How thorough is a home inspector required to be when inspecting a house?

Should I trust the Seller's Property Disclosure Statement?

Can I do my own home inspection?

How can homebuyers protect themselves against buying a house over a sinkhole? 

The seller gave me a report from a previous home inspection. Should I use it or get my own inspector? 

    To read about issues related to homes of particular type or one built in a specific decade, visit one of these blog posts:

What are the common problems to look for when buying a 1940s house?

What are the common problems to look for when buying a 1950s house?

What are the common problems to look for when buying a 1960s house?

• What are the common problems to look for when buying a 1970s house?

What are the common problems to look for when buying a 1980s house?

What are the common problems to look for when buying a 1990s house?

What problems should I look for when buying a country house or rural property? 

What problems should I look for when buying a house that has been moved?

What problems should I look for when buying a house that has been vacant or abandoned?

What are the most common problems with older mobile homes?

What do I need to know about a condo inspection?

What are the "Aging In Place" features to look for when buying a retirement home?

   Visit our HOME INSPECTION page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.

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