What Is Covered in A Home Inspection?

Home inspections cover a variety of assessments and can be used for informational purposes only or as negotiations for repairs. The type of inspection will need to be specified on the agreement when the offer is made. 

When going through a lender, banks may require different levels of inspections in accordance with the type of loan. For instance, if the buyer is taking out a conventional loan, only major structural issues — falling roof, foundational cracks, etc. — may be required. On the other hand, FHA loans will require far more minor repairs to be addressed: exposed wiring, paint, broken gutters. 

Nonetheless, if you’re opting for a full home inspection prior to a home sale, you should expect the following to be included:

• Cracks in foundation and walls

• Leaks and signs of water damage

• Unusual smells

• Detection of lead

• Attic inspection

• Roof inspection

• Functioning smoke detectors

• Appliance issues with oven, furnace, heater, etc.

• Check that smoke alarms are properly functioning.

• Radon and Carbon monoxide detectors (may be additional cost)

More importantly, it is strongly recommended for the buyer and buyer’s agent to attend the inspection and speak with the inspector. Although the inspector will provide a detailed report and itemized breakdown of the inspection, it always helps to have the ability to ask questions right there on site.

Considerations: Article has been modified and adapted from Nerdwallet.com, Rocket Mortgage, Zillow, and Investopedia.