How To Look At A House

McGarry and Madsen's home inspection blog for buyers of  

site-built, mobile/manufactured and modular homes

Does a home inspector have to be bonded?

Friday, July 5, 2019

Many states have no minimum insurance requirements for home inspectors. For the ones that do, it is usually general liability or errors and omissions insurance, or both, in amounts from $100,000 to $500,000. The only state that we know of that specifies a surety bond is North Carolina, and it is only necessary if the inspector chooses not to carry errors and omissions insurance or provide proof of meeting a minimum assets standard.

    A surety bond effectively guarantees an amount of money that will be provided by the insurance company to meet an obligation of the insured, such as due to a lawsuit. It is often required of building contractors in an amount so that the funds to complete a contracted project will be available if the contractor defaults. Home inspectors generally have short-term obligations to the customer, which are fully covered by general liability and errors and omissions insurance, and a bond is unnecessary.

    The approximately 23,000 members of the International Association of Certified Home Inspectors (InterNACHI) provide a slightly different type of bond to their customers that they receive as part of their membership. InterNACHI calls it an “Honor Guarantee,” but it is technically a fidelity bond, and guarantees payment for any theft of personal property by an InterNACHI member during a home inspection.

    Also, see our blog post How can I check to be sure a home inspector is licensed?

    Click on any of the links below to read other articles about what is required to be included, or not, in a home inspection:

AFCI •• Air conditioner •• Ants •• Appliance recalls •• Appliance testing •• Attic •• Awnings •• Barns and ag blgs. •• Bathroom exhaust fan •• Bonding •• Carpet •• Ceiling fans •• Central vacuum •• Chimneys •• Chinese drywall •• Clothes dryer •• Dryer exhaust •• CO alarms •• Code violations •• Condemn a house •• Crawl space •• Detached carport •• Detached garage •• Dishwasher •• Docks •• Doors •• Electrical •• Electrical panel •• Electromagnetic radiation •• Fences •• Fireplaces  Furnace •• Garbage disposal •• Generator •• GFCIs •• Gutters •• Ice maker •• Inspect in the rain •• Insulation •• Insurance •• Interior Finishes •• Grading & drainage •• Lead paint •• Level of thoroughness •• Lift carpet •• Low voltage wiring •• Microwave •• Mold •• Move things •• Help negotiate •• Not allowed •• Outbuildings •• Paint •• Permits •• Pilot lights •• Plumbing •• Plumbing under slab •• Pools •• Questions won't answer •• Radon •• Range/cooktop •• Receptacle outlet •• Refrigerator •• Reinspection •• Remove panel cover •• Repairs •• Repair estimates •• Retaining walls •• Roaches •• Rodents •• Roof •• Screens •• Seawalls •• Septic loading dye test •• Septic tank •• Sewer lines •• Shower pan leak test •• Shutters •• Sinkholes •• Smoke alarms •• Solar panels •• Specify repairs •• Sprinklers •• Termites •• Toilets •• Trees •• Troubleshooting •• Wall air conditioners •• Walk roof •• Washing machine •• Water heater •• Water pressure •• Water shut-offs •• Main water shut-off •• Water softener •• Water treatment systems •• Well •• Windows •• Window/wall air conditioners •• Window blinds •• Wiring 

 • • • • • • • • • • • • • • • • • • • • • 

Here’s links to some of our other blog posts about HOME INSPECTION:

The home inspector says I have construction defects. How did my home pass inspection by the building department? 

Does the seller have to make a repair requested by the homebuyer, even if the home inspector did not call it out as a defect?

The one home inspection question we get asked most often: "Will that be in the report?" 

Does  a homebuyer need to ask the seller's permission to do additional inspections after the initial one?

Do home inspectors inspect barns and other agricultural buildings on a farm? 

What is the difference between a structural defect and a cosmetic defect?

Can a Florida licensed contractor do home inspections without having a home inspector license? 

Do home inspectors inspect outbuildings?

Does a home inspector give cost estimates for repairs?

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

Who should pay for the home inspection?

Do I need a home inspection to get insurance?

I can't find a local home inspector. What should I do? 

Do home inspectors test the appliances?

Should I trust the Seller's Property Disclosure Statement? 

What makes a house fail the home inspection?

Can a home inspector do repairs to a house after doing the inspection? 

What are the requirements for a room to be classified as a bedroom?

Do home inspectors lift up the carpet to look for cracks in the floor? 

What can I learn from talking with the seller?

What is the difference between a home inspection and a final walkthrough inspection? 

Do home inspectors go on the roof? Do they get in the attic?

What are the questions a home inspector won't (or shouldn't) answer?

Should a home inspection scare you? 

What questions should I ask the home inspector during the inspection?

What should I bring to the home inspection? 

Does my home inspection report give me everything I need to evaluate the price of a house? 

Should I hire an engineer to inspect the house?

How can I find out if all the home improvements had a building permit? 

Does a home inspector make sure the house is up to code?

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

Water Heaters

Water Heater Age

"What Are The

Signs Of..."

Septic Tank Systems

Structure and Rooms

Plumbing Pipes

Termites, Wood Rot

& Pests

Sinkholes

Stairs

When It First

Became Code

"Should I Buy A..."

Park Model Homes

Site

Shingle Roofs

Safety

Stucco

Remodeling

Wind Mitigation

Roof and Attic

"Does A Home

Inspector...?"

Pool and Spa

"What Is The Difference Between..."

Radon

Brick

Plumbing

Concrete and

Concrete Block

Metal Roofs

Foundations

Modular Homes

Rain Gutters

Mold, Lead & Other Contaminants

Condominiums

Older and

Historic Houses

Crawl Spaces

Mobile-Manufactured Homes

Building Permits

Life Expectancy

Clay Soil

Insurance

Floors

Insulation

Toilets

Exterior Walls

& Structures

Generators

Common Problems

HUD-Code for

Mobile Homes

Garages and Carports

Flat (Low Slope) Roofs

Electrical Panels

Sprinkler Systems

Electrical Receptacle Outlets

4-Point Inspections

Hurricane Resistance

Frequently Asked Questions (FAQ)

Home Inspection

Heating and Air Conditioning

Building Codes

Fireplaces and Chimneys

Inspector Licensing

& Standards

Energy Efficiency

Washers and Dryers

Electrical

Kitchens

Doors and Windows

(placeholder)

Cracks

Electrical Wiring

Click Below  

for Links

to Collections

of Blog Posts

by Subject

Plumbing Drains

and Traps

Appliances

Smoke & CO Alarms

Aging in Place

Top 5 results given instantly.

Click on magnifying glass

for all search results.

Bathrooms

Lighting

AFCI, CAFCI,

DFCI, & GFCI

Sinks

Air Conditioner & Furnace Age/Size

Attics

Electrical Switches

Siding

Search

This

Site

Water Intrusion

Electrical - Old

and Obsolete

(placeholder)

Foundation Certifications

Tiny Houses

About McGarry and Madsen

(placeholder)

Wells

Buying a home in North/Central Florida? Check our price for a  team inspection by two FL-licensed contractors and inspectors. Over 8,500 inspections completed in 20+ years. In a hurry? We will get it done for you.

Moisture Problems

Crawl Spaces

Bedrooms

Closets