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Frequently Asked Questions

F.A.Q.'s

Why Do I Need A Home Inspection?

The purchase of a home is probably the largest single investment you will ever make. You should learn as much as you can about the condition of the property and the need for any major repairs before you buy, so you can minimize unpleasant surprises and difficulties afterwards. After the inspection, you will have a much clearer understanding of the property.

If you are already a homeowner, a home inspection may be used to identify problems in the making and take preventative measures which might avoid costly repairs in the future. If you are planning to sell your home on the market, you may wish to have an inspection performed prior to placing your home on the market. This will give you a better understanding of the conditions which may be discovered by the buyer's inspector and an opportunity to make repairs that will put the house in a better selling position. Having an inspection will help you comply with current disclosure laws concerning the sale of your property.

Can I Do It Myself?

Even the most experienced homeowner lacks the knowledge and years of expertise of a professional home inspector. An inspector is familiar with the elements of home construction and remains completely objective and unemotional about the home.

Can A Home Inspection Fail?

NO! A professional home inspection is an examination of the condition of the home on the day it is inspected; it is not an appraisal, which determines market value or a municipal inspection which verifies local code compliance, but rather describes its visible physical condition and indicates what may need major repairs in the near future.

Do I Have To Be There?

It is not necessary for you to be present for the inspection, but it is highly recommended. You will be able to accompany me and ask questions directly as you learn about the condition of the home, how its systems work and how to maintain it. You will also find the written report easier to understand if you've seen the property firsthand through the inspector's eyes.

Who Hires The Inspector?

The Client usually retains the inspector. The Inspector works for you. The report cannot be given to anyone else without your written consent.

How Much Does It Cost?

The purchase of a property will likely be the most expensive investment people will make in their life and it doesn't make sense to shop for the least expensive inspector you can find. What is the saying, "Pennywise and Pound Foolish". That is most certainly true, in today's world, you get what you pay for. Don't be fooled by individuals whose training consists of viewing a video tape for 2 hours and then claim to be a "House Inspector" Check for a "License and Certifications" before hiring an inspector. No Home Inspection can guarantee there won't be problems, even new homes are not perfect on the day their new owners move in.

Full inspections - Include the roofing, exterior, structure, electrical, heating and air conditioning, insulation and ventilation, plumbing and the interior. Based on properties under 2000 square feet, normal starting prices are: (1) Apartments, townhouses & condominiums - $325 (Note: condo inspections do not include the exterior or the structure, areas which the condo association normally maintains). And (2) Single family homes - $350 to $400 depending on size.

Homes Larger Than 2000 square feet - Please call for an estimate. I will be pleased to discuss pricing based upon the unique factors involved in your situation.

4-Point Insurance Inspections - Performed for property insurance companies and is required before a new policy can be bound in many cases, especially on older homes. The inspection consists of four parts: roof, electrical, HVAC (heat, ventilation and a/c) and plumbing. It helps the insurer understand the level of risk better and may reduce your premium. The actual form to be used is provided to the client by the insurance company in most cases and the inspector will fill it out. This inspection is not the same as a full home inspection and you would be wise to determine whether or not your intended insurance company will require it. We can perform this inspection while on site for a full inspection and it may save you money on the cost of your premium every year. Every homeowner should take advantage of having a 4-Point Inspection on their home. The price is normally $175 if a full inspection is not being performed at the same time or $50 if performed during a full home inspection.

Wind Mitigation Inspections - Performed for owners wishing to qualify for property insurance discounts or credits based on certain hurricane resistant features that reduce damage and losses during windstorms. Premium savings can be as much as 40% on your windstorm policy. Qualifying features that reduce damages are as follows:

  • Roof shape (hip, gable, flat or combinations of these).
  • Roof covering and roof deck material.
  • How the roof deck is nailed to the trusses or rafters below.
  • How the roof is attached to the walls below.
  • How windows and doors are protected with shutters or impact glass.
  • Existence of a secondary water barrier strip above plywood roofing joints.

 

I can do this wind mitigation inspection and is best done while another inspection needed is being performed. Ninety percent of existing homes have one or more of these wind resistant features that will likely generate annual premium savings on your windstorm policy. Why not let me try to save you money year after year. Pricing is the same as for 4-Pt. inspections stated above.

A licensed Home Inspector can point out existing or potential problems that would require attention either by the seller or buyer. You, the buyer, save yourself from problems you never contemplated when buying the "Dream House" you wanted. You, the seller, are complying with current disclosure laws concerning the sale of your property.


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96000 Overseas Hwy.

Unit O-3

Key Largo, FL 33037

Office & Fax:

(305) 852-1725

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Cell Phone:

(305) 393-7728

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Email:
jim@stokerinspections.com

RPI No. 0854