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#71951 - 08/30/06 12:02 PM I am mad, angry, worried and I need professional advice, please! (long)
Alea, CA Offline
Member

Registered: 11/01/05
Posts: 134
Loc: Los Angeles/San Fernando valle...
Here's my situation: I am scheduled to close on a condo in the next two weeks and met with a home inspector referred to me by an agent I have known for quite a while. The home inspector is very knowledgeable and was described to me as someone "who won't make you sweat the small stuff but will definitely let you know if there is anything seriously wrong with your property." My answer was "great coz I don't care about cosmetic issues but I definitely want someone to look out for me and my investment."
I gave the inspector the address and she said she would go online and pull the permits and meet me at the property the following day for an inspection. The following day, as I am on my way to meet her, she calls and said that she "had some things she wanted to discuss." When we met, she said that she wasn't able to pull any records off the web but "thought" this complex had been "red tagged following the 1994 Northridge earthquake," saying that she was not 100% confident but still pretty sure that we were talking about the same property. Now, we were told the property was built in 2000. (????) Now, there is another complex listed under the same tract # that was there in the 80's and I'm wondering if there's a possibility for confusion. Anyways, she quickly walked around the building going "oh my gosh, look at that without really explaining why she looked so worried then we went inside the unit and pointed out how the floor was slainted, the cracks on the garage's floor going "oh wow can you believe that???" and yes she had me completely freaked out without giving me anything concrete to go by except her gut instinct. Amount of time spent inspecting: 15 min. Amount of time spent scaring the hell out of me with nothing to back her claims up: 45 min.

She ended the tour by saying that she would look into it, make some calls, research some more and that she would give me a call that same evening to give me the low-downn on what she refered as "the property with the stigma attached to it" but that as of "right now" she wouldn't want her name on the inspection report so she wasn't going to charge me for the time she spent "inspecting."

Alright, here are the issues that I have:

#1 that evening, she never called. Yeah, thanks a lot! My bf and I were on pins and needles waiting for her to call us to tell us facts vs. theories of what she thought the story was...and nothing. Not cool!
Call me crazy but making as bold of a statement as "hey I think this property was there prior to 2000 and Im pretty sure it was red-tagged once" is nothing to take lightly...but give me something to back it up, some proof or something so that we have ammunitions to get out of our contract based on your SERIOUS FACTUAL findings. That's all I ask, really.

#2 The next day, mid-day, still no call. Between me and my bf, we left 5 messages urging her to call us to let us know what she found. Finally, my bf calls again in the evening and she picks up saying she was just gonna call us. Fine whatever. She proceeds to tell him that she really wasn't able to pull any records so she didn't have anything new to tell us except "I would go to the building and safety department if I were you and try to pull as much info as you can and fax me everything you find then I'll tell you more."

FINE. The next day, I spent 5 1/2 hours there and get every record, permits, certs...I can find. From what I was given, no document indicates that the property was red tagged. Fax everything to her. Leave a message and ask her to call to let me know she received everything. She never does. Now I'm fuming.

Next day, my bf finally gets a hold of her as she says "oh it's funny i was just gonna call you guys." OK STOP THE BLEEDING, FOR REAL!
My bf asked her what the lowdown was and all she can say is "well, I wouldn't buy it, it's high risk."
Us: "ok why?"
Her:"i don't know why you want to buy there, you could get a lot more home somewhere else."
(ok, this is not what we're asking here. What we're asking of you is to give us facts backing up your claim that the property is high risk. We can't possibly go back to the developper saying "we're backing out because some inspector THINKS the property is high risk. As a matter of fact, she thinks she remembers it getting red-tagged at some point in time but she can't prove it. GIVE US SOMETHING!!!
my bf: did you look at all the documents we faxed you (37 pages), the occupancy cert was issued, we have the permits but we need your expertise to tell us what all these documents mean...You DID take a look at what we faxed you right?"
her: "huh, hmmm, yea and I can't put my name on the inspection. You should really look for something else, there are so many properties on the market right now, you could get a house for that price. Call me if you want us to look at another property."

And that's basically IT. THANKS A LOT. THIS IS THE MOST UNPROFESSIONAL THING SHE COULD HAVE DONE!
How can an inspector who's very well known and reputable in our industry leave someone hanging like that??????
How can someone make such a serious claim on a huntch and not back it up!?????
What? Are we supposed to forget it and buy it while thinking that there might be a chance that the bldg is going to collapse on us at any given time???? ARE YOU FOR REAL???!!!

If that was the case, and the property was indeed red-tagged or there prior to 2000, wouldn't the developper disclose that? This is serious stuff and I'm sure if it wasn't disclose, i'm sure they would face the biggest lawsuit ever recorded. (I did mention that to her and her answer was: " oh they can chapter 7 the corporation as soon as all the units are sold and you would have no recourse. Then they could start up a new corp. and do it again. Developpers do it all the time.")

GREAT, ANYTHING ELSE YOU WANT TO ADD TO MAKE OUR PURCHASE TRANSACTION EVEN MORE SCARY????!!!!

Bottom line: I need some serious advice because i'm freaking out (over something, maybe...over nothing, maybe). What can we do to get peace of mind here? Please help. Thank you all.
_________________________
Ask For A Loan, Inc. Wholesale ONLY.

My commitment: to support and help my fellow LOs close more loans any ways I possibly can...as long as it's legal! C'mon, I may be an AE now but I still have the same amount of high standards and integrity \:\)

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#71952 - 08/30/06 01:37 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
If she didn't charge you, then you still have money to get a professional home inspection done. Try finding a good inspector from the National Association of Certified Home Inspectors. They have about 9,000 members, hundreds in the Los Angeles area. They are at http://www.nachi.org.

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#71953 - 08/30/06 04:19 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
Alea, CA Offline
Member

Registered: 11/01/05
Posts: 134
Loc: Los Angeles/San Fernando valle...
 Quote:
Originally posted by Russel Ray:
If she didn't charge you, then you still have money to get a professional home inspection done. Try finding a good inspector from the National Association of Certified Home Inspectors. They have about 9,000 members, hundreds in the Los Angeles area. They are at http://www.nachi.org.
Thank you Russel Ray, I appreciate the effort. That inspector IS a member of nachi so I thought for sure that I would get good, professional service...well so much for that!.. so now what?

I'm so frustrated. Don't worry I'm not putting all nachi members into one basket but it goes to show that affiliations doesn't guarantee anything.
_________________________
Ask For A Loan, Inc. Wholesale ONLY.

My commitment: to support and help my fellow LOs close more loans any ways I possibly can...as long as it's legal! C'mon, I may be an AE now but I still have the same amount of high standards and integrity \:\)

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#71954 - 08/30/06 10:37 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
super realtor Offline
Major Contributor

Registered: 05/01/05
Posts: 5107
Loc: georgia
Well it's true they can open up under a new company.Contractors are notorious for this they give lifetime warranties and then a few years later close that business and reopen under another name making the warranties useless.The builder usually only gives a 1 year warranty or extended 2/10 warranty that handled by an outside company.

I would make sure they are ashi or cabo certified.Anyone can belong to some of these organizations and pay a feee and be called an expert.I am not a home inspector but i know a little and i purchase homes and rehab them.

A house built just 6 years ago should not have cracks in the driveway or the garage.Nor should floors be offcenter or slanted.Inspectors are not experts and if they see something abnormal they should recommend you see an expert in that field.

Example cracks in the driveway and garage and house is uneven.They should refer you to a structural engineer for further examination.If you don't want to pay the money then the inspector should get you to sign a form stating you were advised to seek a n expert on these items and you declined.

Usually if the crack is small enough that you can't fit a credit card in there then usually there is not major shifting going on.Hairline cracks in concrete are normal.If the doors have trouble opening or there are lightning bolt cracks going down the wall you could have setllement problems.

good luck and not giving legal advice

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#71955 - 08/31/06 04:05 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Ohio Realtor® Offline
Member

Registered: 11/17/05
Posts: 369
Loc: Cincinnati
Alea that inspector was worthless to say the least and all they did was eat up some of your inspection time. Get a referal for an inspector and I wouldn't care if they sweat the small stuff. Your realtor would let you know what is common to ask for in repairs in your area. I want someone to go over the property from top to bottom. Home inspection is as much an education for the buyer of the property as it is to look for defects. A good home inspector will let my client know about maintanance items that we will not ask to be repaired but should be done to a home to keep it in top shape.

As for the comment that you could buy a house for that much money what does the inspector know about your lifestyle? Do you really want to take care of the outside maintance of a property or just come and go as you please and not have to worry about it?

Inspectors like that trying to play realtor need to find another line of work and would not be on my list. I hope you give some feedback to the agent that recommended this person to you.
_________________________
My thoughts are opinions only and not to be confused with legal advise. www.Find1home.com

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#71956 - 08/31/06 04:33 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
Hey, Alea.

Since you're in California, email me at thehometeamsd@aol.com and I'll see what I can do for you.

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#71957 - 08/31/06 04:42 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
 Quote:
Originally posted by super realtor:
I would make sure they are ashi or cabo certified. Anyone can belong to some of these organizations and pay a feee and be called an expert.
Being CABO or ICC certified simply means that one was able to study and pass a test. We probably all know from college that such a task is fairly easy to do, depending on one's interest in the subject matter.

With that said, while Alea had problems with a NACHI inspector, NACHI is the only major trade association for home inspectors that requires that a prospective member at least pass a knowledge test before sending in money. None of the other major national trade associations require that.

ASHI and many of the state trade associations simply require that one send in money and then they call one a "Candidate" member until one has a certain number of inspections and pass a knowledge test. During the time that one is a "Candidate" member, is that ASHI "Candidate" member really better than any other trade association?

There will be newbies in all professions and all trade associations (although we don't know anything in that regard about the home inspector in question). Some of those newbies are not yet familiar with appropriate Codes of Ethics and Standards of Practice. And, of course, I'm sure we're all familiar with the home inspector who is too dependent on Realtor referrals for his livelihood and, thus, doesn't want to upset too many Realtors with the "small stuff" so that he never gets referrals again. In my industry, we call them "soft inspectors" because they issue a "soft" report that either doesn't detail the problem, skips over the problem, or downplays the significance of the problem, all of which help the Realtor since s/he doesn't have to put too many of those negotiating skills into practice dealing with too many issues or significant issues that might require someone else (i.e., structural engineer, roofing contractor, etc.) to come in for further evaluation.

Two more problems here in California are:

(1) E&O insurance is so expensive, resulting in more than half of the home inspectors in my area not carrying such insurance. If I were not carrying E&O insurance, I also would not put my name on a home inspection report.

(2) There is no licensing for home inspectors in California, so anyone with a little money can do some marketing stating that they are a home inspector. Many of those same inspectors start of with good intentions, but once they find out the true cost of being in the industry, or face their first lawsuit, they are out of business.

The home inspector industry has just as great a turnover as the Realtor industry, so the best thing to do is to check your home inspector's references (as well as the references of all people you are considering hiring to work for you), check to see if they are a member of a trade association (at least that indicates some interest in the industry), check to see if they are a member of the Chamber of Commerce or the Better Business Bureau, etc., (at least that indicates an interest in being a good business person), and ask them if they carry appropriate insurance for their industry (and don't be afraid to ask them for a copy of their insurance coverage certificate--all insurance companies provide them). If you don't know what appropriate insurance is for any specific industry, contact the BBB. They usually have the requirements for each industry for which they have members.

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#71958 - 08/31/06 07:13 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Scott Patterson Offline
Member

Registered: 01/04/05
Posts: 20
Loc: Spring Hill (Nashville), TN
Russel does bring up a good point about NACHI being the only HI organization to require everyone to take a test before they join. The problem with this test is that it is online, unproctored and is extremely easy to pass. As it is unproctored anyone can take the test but then put a different name on the paperwork.

If the test was too hard NACHI would have few members and it's sole owner would not have the income or lifestyle that he now has. A person can be a hair stylist in the morning and a Certified Home Inspector that night. They have no experience requirement before a person can call themselves "Certified".

If you are in CA, I would look for a CREIA member who has passed their proctored exam. Outside of that I would also look for an inspector who has passed the National Home Inspector Exam. This exam is used in 20 states for their state home inspector licensing exam. It is a proctored "High Stakes" exam, similar to most state real estate license exams.

Another good site to find inspectors is http://www.ashi.org . ASHI requires their members to pass the NHIE a Standards Exam and complete either 50 or 250 inspections before they can even say or advertise that they belong to ASHI.

Keep in mind that a home inspectors professional affiliation does not make them a good or bad inspector. Look at their experience and past track record. As for a reference or two, they should be willing to provide them. My suggestion to real estate agents is to provide a list of 3-4 inspectors that work in your market. Do not single any particular inspector our as "my favorite", this might come back to bite you!

Just another point of view.
_________________________
Cape Coral Real Estate

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#71959 - 08/31/06 08:15 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Inspectorjeff Moderator Offline
Member

Registered: 08/31/06
Posts: 43
Loc: Santa Clarita, CA
It sounds as if this inspector simply bit off more than she could chew, although I'd be interested in hearing what she has to say.

I'm also curious as to the comments about "pulling permits," and "making some phone calls" to gather more information. This is not a "standard practice" for most inspectors.

I have inspected several home/structures that were "red tagged" as a result of the Northridge quake. Those that were not repaired have long been condemned and/or demolished.

As for any recourse, at this point you have none with regard to the inspector. Service was not paid for, nor was it provided. Take whatever opportunity you have left to find another inspector.
_________________________
Jeff Pope
JPI Home Inspection Service
Santa Clarita CA
(661) 212-0738
http://www.MyInspector.net

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#71960 - 08/31/06 10:14 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
 Quote:
Originally posted by Scott Patterson:
Russel does bring up a good point about NACHI being the only HI organization to require everyone to take a test before they join. The problem with this test is that it is online, unproctored and is extremely easy to pass. As it is unproctored anyone can take the test but then put a different name on the paperwork.
You disappoint me, Scott. You know that's not true.

The passing rate at this point is, I believe, in the 60s, not exactly easy if one is using college standards of A-B-C-D. and F.


 Quote:
Originally posted by Scott Patterson:
If the test was too hard NACHI would have few members and it's sole owner would not have the income or lifestyle that he now has.
Have you seen the houses and cars that the administrative folks at ASHI drive, as well as CREIA and some of the other state trade associations. Not to mention your local preacher. I'm not sure how anyone's lifestyle is really relevant. But I know that you do tend to overreach sometimes, Scott.


 Quote:
Originally posted by Scott Patterson:
A person can be a hair stylist in the morning and a Certified Home Inspector that night. They have no experience requirement before a person can call themselves "Certified".
More disappointment from you, Scott. There is no "certification" at NACHI. Hec, if anyone wanted to be a home inspector in California, anyone could call themselves "Certified." That's part of the problem with the home inspection industry--eight national trade associations and 50 state trade associations, all trying to do their own thing, not necessarily what is in the public's best interest.

Is there any difference between a being a "hair stylist in the morning" and a "Candidate" member of ASHI. Hmmmmmmmmm.

 Quote:
Originally posted by Scott Patterson:
If you are in CA, I would look for a CREIA member who has passed their proctored exam.
Speaking from experience in going to the monthly ASHI and CREIA dinner meetings here in San Diego, I can personally state that CREIA members who have "passed their proctored exam" are no better and no worse than the great majority of home inspectors. Unfortunately, I left CREIA because they had no interest in the public or helping its membership. They also were simply interested in money.


 Quote:
Originally posted by Scott Patterson:
Outside of that I would also look for an inspector who has passed the National Home Inspector Exam. This exam is used in 20 states for their state home inspector licensing exam. It is a proctored "High Stakes" exam, similar to most state real estate license exams.
And as with all tests, including "real estate license exams," the NHIE has its own set of problems, such as wrong answers, etc.

 Quote:
Originally posted by Scott Patterson:

Another good site to find inspectors is http://www.ashi.org . ASHI requires their members to pass the NHIE a Standards Exam and complete either 50 or 250 inspections before they can even say or advertise that they belong to ASHI.
You know that's not true, Scott. "Candidate" members can say and advertise that they belong to ASHI. They just can't use the trademarked logo, and they're supposed to say that they are "Candidate" members. And they don't have to pass the NHIE before sending in their money to become a "Candidate" member. I state facts while you seem to be in a mood to twist them.


 Quote:
Originally posted by Scott Patterson:
Keep in mind that a home inspectors professional affiliation does not make them a good or bad inspector. Look at their experience and past track record. As for a reference or two, they should be willing to provide them. My suggestion to real estate agents is to provide a list of 3-4 inspectors that work in your market. Do not single any particular inspector our as "my favorite", this might come back to bite you!
Finally you say something that can be useful to Alea and anyone else reading this post.


 Quote:
Originally posted by Scott Patterson:
Just another point of view.
And in spite of the spin, thank you.

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#71961 - 08/31/06 10:23 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Alea, CA Offline
Member

Registered: 11/01/05
Posts: 134
Loc: Los Angeles/San Fernando valle...
I would like to thank everyone for taking the time to reply to my post. It means a lot to me, thank you.
The agent who referred this inspector to me is a friend of mine but she is not the one representing us in the transaction as we were pretty much forced into a dual agency. So I'm not mad at her, she truly was trying to help me and had nothing but good things to say about her.
As a successful agent, I wholeheartedly trust her judgement and still do.
As for the credentials of the inspector...well we're talking p.h.d, construction consultant, CRI, and the president of CA chapter so...you know.
I'm not saying that she is not qualified because she is and the $495 price tag I would have been glad to pay it to get the facts. I never got the facts. All I got was assumptions and theories.
I'm not trying to sue anyone either; what I want is someone who's going to advise me based on concrete facts. The one thing my bf and I are really mad about is the fact that she took plenty of time to freak us out, sent us to the deparment of building and safety to pull the records...for nothing. I am not an expert, I can't understand what the 37 pages I pulled mean and meanwhile she never looked at them. Ok, based on what she "remembers", what she "hears", what she "thinks" the property was red tagged, is high risk etc...Ok, I've made a mental note of that, JUST BACK IT UP, LOOK AT WHAT I PULLED AND SHOW US THE FACTS IN THERE THAT CONCERN YOU. I don't think I'm being unreasonable.

When I went to pull the records, there was a lot of confusion because 2 different complexed were on the same tract number, the developper seemed to have applied for permits under a different address (...DR. vs. CIRCLE) so nothing was coming up. Then they try to match the amenities and number of units to the property and the other older complex was the one that kept coming up. Until finally, we entered the address of the first bldg that was built instead of our own bldg address and that's how we retreived the permits, occupancy certs for all the bldgs.

Yesterday, I pulled the soil composition of the property we're trying to buy in, lots of information but unfortunately that's just plain chinese to me. Now, they told us the property was built in 2000 and no building was there in 94. The inspector thought there was a complex there that got red-tagged. Now, i'm looking at the report and there's an arial picture of the site with a note that says: "map comprised of arial images photographed on these dates: 6/1/1994; 10/3/1995" (???? huh????) Ok, if that's true then there's an entire complex standing there (???)

Now, we asked the listing agent to clarify and he keeps saying there was nothing there. Let's assume that there was and everything was actually red-tagged and demolished, shouldn't he have disclosed that when we asked? Aren't we entitled to know the full story so we can make an informed decision. Some of the records we pulled showed 1987 on them, so could there be some truth to that?

Now, let's assume all the above is true and the whole complex got red-tagged, then the builder (or the city) came in demolished because of soil unstability issues, and then the builder rebuilt...Wouldn't the city of Los Angeles make sure that everything is fine and dandy before issuing occupancy certs? See, all this I don't know. Did they build from the ground up or did they keep the foundation and rebuilt on top and if so is that why the developper was ordered to go back and drill underneath the buildings an additional 6ft??? I need someone to help me get to the bottom of this asap. I just want facts, that's all i want and i'll pay the $495 to protect the $560,000 I'm about to spend on this condo.
_________________________
Ask For A Loan, Inc. Wholesale ONLY.

My commitment: to support and help my fellow LOs close more loans any ways I possibly can...as long as it's legal! C'mon, I may be an AE now but I still have the same amount of high standards and integrity \:\)

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#71962 - 08/31/06 10:29 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
 Quote:
Originally posted by Alea, CA:
As for the credentials of the inspector...well we're talking p.h.d, construction consultant, CRI, and the president of CA chapter so...you know.
Hey, Alea.

If she is CRI, that seems to indicate that she is a member of CREIA. Granted, one can be a member of multiple organizations, but it is rare because of the money involved.

 Quote:
Originally posted by Alea, CA:
I am not an expert, I can't understand what the 37 pages I pulled mean and meanwhile she never looked at them.
I'd be happy to look at them if you would like to fax them to me. Let me know.

If you have an MLS listing number and a tax assessor's parcel number, that would also be helpful.

Hopefully you have postponed close of escrow until you get your questions answered.

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#71963 - 08/31/06 10:33 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
Hey, Alea.

Just FYI. I've been involved with over 800 property renovations in 7 states in 33 years, so I am familiar with pulling permits, resolving property problems, etc.

So let me know if I can help you.

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#71964 - 08/31/06 10:38 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Alea, CA Offline
Member

Registered: 11/01/05
Posts: 134
Loc: Los Angeles/San Fernando valle...
Hi Russel, I was just in the process of emailing you. Thank you so much for wanting and trying to help. Believe me we are doing everything we can to buy time at this point. If you could look over what I pulled that would be so great! I'm sending you an email right now.
_________________________
Ask For A Loan, Inc. Wholesale ONLY.

My commitment: to support and help my fellow LOs close more loans any ways I possibly can...as long as it's legal! C'mon, I may be an AE now but I still have the same amount of high standards and integrity \:\)

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#71965 - 08/31/06 10:39 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Inspectorjeff Moderator Offline
Member

Registered: 08/31/06
Posts: 43
Loc: Santa Clarita, CA
Are you trying to purchase a single unit, or the entire complex? I would be happy to inspect your unit for you, but it would not include permit research or geo-testing.

FYI - There is no "CA Chapter" of NACHI. So your inspector could not be Chapter Pres.

Russ - CRI is a NAHI designation.
_________________________
Jeff Pope
JPI Home Inspection Service
Santa Clarita CA
(661) 212-0738
http://www.MyInspector.net

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#71966 - 08/31/06 10:59 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
And I can highly recommend Jeff Pope. He's a no-nonsense, experienced, well-qualified home inspector.

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#71967 - 08/31/06 11:00 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Alea, CA Offline
Member

Registered: 11/01/05
Posts: 134
Loc: Los Angeles/San Fernando valle...
Jeff, I never said it was NACHI. Again, I'm not doubting their qualifications, they are very well respected in the real estate community and agents call on them quite a bit. I actually like them (husband and wife) a lot, I just don't think it was right for them to leave us hanging dry after making such serious claims and sending us to the department of building and safety and then leave us with no more answers than what we started with...which is none. THAT IS WHAT WE'RE REALLY MAD ABOUT. It is not personal, we don't feel it was the right thing for them to do.
_________________________
Ask For A Loan, Inc. Wholesale ONLY.

My commitment: to support and help my fellow LOs close more loans any ways I possibly can...as long as it's legal! C'mon, I may be an AE now but I still have the same amount of high standards and integrity \:\)

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#71968 - 08/31/06 11:01 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
 Quote:
Originally posted by Jeff Pope:
Russ - CRI is a NAHI designation.
You're right. Thanks, Jeff. CCI and MCI are the CREIA designations.

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#71969 - 08/31/06 11:04 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
Hey, Alea.

Back in your second post, you said "That inspector IS a member of nachi" which led all of us to believe that he was a member of NACHI. However, NAHI and NACHI do sound the same and are almost spelled the same, so the confusion is understandable, especially since it is not the first time that someone has been confused about the two organizations.

Just another example of why the home inspection industry needs one national association, kind of like the National Association of Realtors. That's the only one that I'm aware of.

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#71970 - 08/31/06 11:11 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Alea, CA Offline
Member

Registered: 11/01/05
Posts: 134
Loc: Los Angeles/San Fernando valle...
Just checked again, and yes they are listed as members of nachi. i'm trying to relocate that site where they were listed as president of the CA chapter
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Ask For A Loan, Inc. Wholesale ONLY.

My commitment: to support and help my fellow LOs close more loans any ways I possibly can...as long as it's legal! C'mon, I may be an AE now but I still have the same amount of high standards and integrity \:\)

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#71971 - 08/31/06 11:23 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
Hey, Alea.

While I found your address using mapquest, I looked in an old 1999 Thomas Guide of California, and that street had a totally different name. Private email on its way back to you.

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#71972 - 02/08/07 06:12 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
Broker-In-NJ Offline
Member

Registered: 02/08/07
Posts: 64
Loc: Southern New Jersey
Try an inspector from the American Society of Home Inspectors. www.ashi.com

A requirement for ashi certification is that the person do 250 inspections under an ashi certified member. I have never had a problem with one. Typical reports are over 20 pages and have photos.

If you think the house may have structural problems find one that is also a structural engineer and can make a report with a seal.
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SouthernNJBroker

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#71973 - 02/08/07 07:28 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
 Quote:
Originally posted by Broker-In-NJ:
Try an inspector from the American Society of Home Inspectors. www.ashi.com

A requirement for ashi certification is that the person do 250 inspections under an ashi certified member.
Actually, that's not true at all.

ASHI, while the oldest national association, is no longer the largest. NACHI has 9,600 members at this time and is one of only two national associations that require passing a knowledge exam BEFORE being accepted for membership. All the others, including ASHI, only require that one send in money to be accepted as a member, although most of them have different types of membership usually, but not always, indicating experience.

ASHI first starts you off as a Candidate member. All that means is that you have given them money. As ASHI discloses on their web site: "Candidates may be highly experienced inspectors who have just joined ASHI, or they may be novice inspectors who have completed training or otherwise entered the profession." There can be a big, big difference in those two, which is why many established inspectors are not members of ASHI.

Then they have a "Candidate with logo" membership. Right there on the web site it says, "ASHI has verified performance of 50 fee-paid inspections in substantial compliance with the Standards of Practice." Ever wonder how verification is accomplished, and what "substantial compliance" means? When I was a member of ASHI, they did not have this specific membership.

Then they have a "Member," a somewhat disingenuous membership type that really should be changed since all the other "members" are "members," too, just with a few other words added around "members."

Among the Member requirements are these: "Had inspection reports successfully verified for compliance with ASHI's Standards of Practice." and "Submitted valid proof of performance of at least 250 fee-paid home inspections that meet or exceed the ASHI Standards of Practice."

Ever wonder what how many "inspection reports" had to be "successfully verified"? And the second sentence certainly would leave it open for one to perform 1,000 inspections, of which 750 did not "meet or exceed the ASHI Standards of Practice" and 250 did. And what is "valid proof"? My bank statement? A notarized statement saying one did it?

You can find ASHI's requirements here:

http://www.ashi.org/inspectors/join/categories.asp

I think you'll find that NACHI's requirements are much more substantive if we base things simply on what is stated publicly on each organization's web sites. You can find NACHI's requirements here:

http://nachi.org/membership.htm

Notwithstanding any organization's membership requirements, and that includes AAHI, NAHI, FREA, HIF, SPREI, and the various state organizations, it's vitally important that one do one's due diligence concerning the qualifications of any individual home inspector. I would even go so far as to ask 10 Realtors who the "deal killer" home inspectors are, and then seriously considering hiring one of them.

It's my own judgment that home inspectors seem to come in three categories: deal killers (about 10%); competent inspectors who sometimes miss things but otherwise do a creditable job (about 80%); and those who are not competent, needing more experience, more supervision, or another industry to work in (about 10%).

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#71974 - 02/18/07 07:29 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
Ten Lakes Realty Offline
Member

Registered: 02/18/07
Posts: 26
Loc: Montana
I see that this POST is last August.. I just want to say that first of all if a real estate agents reccommend an inspector than the agent is liable. My E and O insurance company tells me to give the client options and not recommendation. Next, sorry to say NEVER trust what anyone says, do all the home work yourself, most people LIE or DONT know. No body can protect you but YOU. its funny, this was done wrong to you but this kind of stuff happens every single day. My guess, only an opionion of course, i am not an attorney but my guess is that the agent and or the inspector gave some kick back to each other, and odds are its best for everyone if you just shut up and by it. Realtors nor inspectors will protect you. Ethics, yes we have plenty of codes of ethics to READ, but they are only suggested codes of conduct and they ARE NOT LAW. watch you back and be pro-active.


Originally posted by Alea, CA:
Here's my situation: I am scheduled to close on a condo in the next two weeks and met with a home inspector referred to me by an agent I have known for quite a while. The home inspector is very knowledgeable and was described to me as someone "who won't make you sweat the small stuff but will definitely let you know if there is anything seriously wrong with your property." My answer was "great coz I don't care about cosmetic issues but I definitely want someone to look out for me and my investment."
I gave the inspector the address and she said she would go online and pull the permits and meet me at the property the following day for an inspection. The following day, as I am on my way to meet her, she calls and said that she "had some things she wanted to discuss." When we met, she said that she wasn't able to pull any records off the web but "thought" this complex had been "red tagged following the 1994 Northridge earthquake," saying that she was not 100% confident but still pretty sure that we were talking about the same property. Now, we were told the property was built in 2000. (????) Now, there is another complex listed under the same tract # that was there in the 80's and I'm wondering if there's a possibility for confusion. Anyways, she quickly walked around the building going "oh my gosh, look at that without really explaining why she looked so worried then we went inside the unit and pointed out how the floor was slainted, the cracks on the garage's floor going "oh wow can you believe that???" and yes she had me completely freaked out without giving me anything concrete to go by except her gut instinct. Amount of time spent inspecting: 15 min. Amount of time spent scaring the hell out of me with nothing to back her claims up: 45 min.

She ended the tour by saying that she would look into it, make some calls, research some more and that she would give me a call that same evening to give me the low-downn on what she refered as "the property with the stigma attached to it" but that as of "right now" she wouldn't want her name on the inspection report so she wasn't going to charge me for the time she spent "inspecting."

Alright, here are the issues that I have:

#1 that evening, she never called. Yeah, thanks a lot! My bf and I were on pins and needles waiting for her to call us to tell us facts vs. theories of what she thought the story was...and nothing. Not cool!
Call me crazy but making as bold of a statement as "hey I think this property was there prior to 2000 and Im pretty sure it was red-tagged once" is nothing to take lightly...but give me something to back it up, some proof or something so that we have ammunitions to get out of our contract based on your SERIOUS FACTUAL findings. That's all I ask, really.

#2 The next day, mid-day, still no call. Between me and my bf, we left 5 messages urging her to call us to let us know what she found. Finally, my bf calls again in the evening and she picks up saying she was just gonna call us. Fine whatever. She proceeds to tell him that she really wasn't able to pull any records so she didn't have anything new to tell us except "I would go to the building and safety department if I were you and try to pull as much info as you can and fax me everything you find then I'll tell you more."

FINE. The next day, I spent 5 1/2 hours there and get every record, permits, certs...I can find. From what I was given, no document indicates that the property was red tagged. Fax everything to her. Leave a message and ask her to call to let me know she received everything. She never does. Now I'm fuming.

Next day, my bf finally gets a hold of her as she says "oh it's funny i was just gonna call you guys." OK STOP THE BLEEDING, FOR REAL!
My bf asked her what the lowdown was and all she can say is "well, I wouldn't buy it, it's high risk."
Us: "ok why?"
Her:"i don't know why you want to buy there, you could get a lot more home somewhere else."
(ok, this is not what we're asking here. What we're asking of you is to give us facts backing up your claim that the property is high risk. We can't possibly go back to the developper saying "we're backing out because some inspector THINKS the property is high risk. As a matter of fact, she thinks she remembers it getting red-tagged at some point in time but she can't prove it. GIVE US SOMETHING!!!
my bf: did you look at all the documents we faxed you (37 pages), the occupancy cert was issued, we have the permits but we need your expertise to tell us what all these documents mean...You DID take a look at what we faxed you right?"
her: "huh, hmmm, yea and I can't put my name on the inspection. You should really look for something else, there are so many properties on the market right now, you could get a house for that price. Call me if you want us to look at another property."

And that's basically IT. THANKS A LOT. THIS IS THE MOST UNPROFESSIONAL THING SHE COULD HAVE DONE!
How can an inspector who's very well known and reputable in our industry leave someone hanging like that??????
How can someone make such a serious claim on a huntch and not back it up!?????
What? Are we supposed to forget it and buy it while thinking that there might be a chance that the bldg is going to collapse on us at any given time???? ARE YOU FOR REAL???!!!

If that was the case, and the property was indeed red-tagged or there prior to 2000, wouldn't the developper disclose that? This is serious stuff and I'm sure if it wasn't disclose, i'm sure they would face the biggest lawsuit ever recorded. (I did mention that to her and her answer was: " oh they can chapter 7 the corporation as soon as all the units are sold and you would have no recourse. Then they could start up a new corp. and do it again. Developpers do it all the time.")

GREAT, ANYTHING ELSE YOU WANT TO ADD TO MAKE OUR PURCHASE TRANSACTION EVEN MORE SCARY????!!!!

Bottom line: I need some serious advice because i'm freaking out (over something, maybe...over nothing, maybe). What can we do to get peace of mind here? Please help. Thank you all.
[/QUOTE]
_________________________
I am not an Attorney and this post is my opinion only. http://www.TenLakesRealty.net

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#71975 - 02/19/07 05:53 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
pikes peak Offline
Major Contributor

Registered: 12/15/04
Posts: 2162
Loc: CO
 Quote:
...my guess is that the agent and or the inspector gave some kick back to each other, and odds are its best for everyone if you just shut up and by it. Realtors nor inspectors will protect you
A good friend of the buyer not party to the transaction recommended the inspector, if I read it correctly.

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#71976 - 02/19/07 06:25 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
Ten Lakes Realty Offline
Member

Registered: 02/18/07
Posts: 26
Loc: Montana
what does this mean "Originally posted by Alea, CA:
Here's my situation: I am scheduled to close on a condo in the next two weeks and met with a home inspector referred to me by an agent I have known for quite a while. " in the first sentence. If it was not an agent than fine, don't get your tail feathers ruffled.
_________________________
I am not an Attorney and this post is my opinion only. http://www.TenLakesRealty.net

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#71977 - 02/20/07 11:47 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Barrie Inspector Offline
Junior Member

Registered: 02/20/07
Posts: 3
Loc: Barrie Ontario
As this is an old post, the deal is long done or dead.
However there have been several posts here, that have some true statements and some so far off base they should be looked at.
The only thing that will not go away is the fact that some realtors and home inspectors do work together in an unhealthy relationship.
Other agents work with specific inspectors because they know the client will have their needs and concerns taken care of to the best of everyon's ability.
First as has been said... An association does not make an INSPECTOR.... Only training and experience does. Many inspectors have some form of training, but still do not know their head from a hole in the ground. They rely on mentionning, that they are a member of CAHPI, NACHI, ASHI, or whatever.
When checking out the inspector... and all realtors should advise the client to try to talk to the inspector themselves before the inspection.
Ask the inspector... "WHAT IS YOUR BACKGROUND" Does the inspector actually know what a house is? (Some do not)
As an Inspector who actually was in construction for over 25 years and renovated 100 year old houses as well as built new houses, I can say I know how a house works. This is what is really important. Being knowledgeable about a house. AS well as being able to impart that information to the client.
Just background in construction though can also leave out information. That is why training is also important. I have had so many courses, bot in class as well as online that both NACI and CAHPI recognise and will continue to educate myself... so I can help educate the buyer.
The first comments from Alea's Inspector (who started this thread) are inexcusable. If the inspector made comments like she stated, the Inspector was out of their league and should have advised the client.
Just calling NACHI or ASHI will not mean you are getting a knowledgeable inspector.
ASK THEIR BACKGROUND!!!
What training do they have? Then of course being a member of a professional association should create a bit of accountability, but does not mean they are good!
However comments and actions like Alea described are absolutly unprofessional, and should be reported to the association they are affiliated with.

So SHOULD AN AGENT REFER AN INSPECTOR?
This can be answered both ways. Many good agents will refer an inspector as they know the inspector will help the client.
Others are "looking to make the deal." One agent called me the other day. The agent told me "his inspector makes sure the deal comes together, no matter what"
The client himself called me and asked me about two properties he was interested in. He interviewed me for sometime and was very impressed with what I was able to tell him on the phone. When we were done the two houses the client walked from one house, because of what he knew. (It was the realtor's personal house)
The realtor called me and gave me a blast for blowing the deal. I was told I would not be getting any more work from this agent. I advised I report what was onsite and that was all. I do not advise the client to buy or not to buy. I stated as the realtor, it is his job to ensure the client's wants are taken care of.
The client told me he was so impressed on what and how I informed him that is as well as his family is coming back to me for several more investment properties. All around.. I win. But even more so, so does the client.
Over the last 2 years and 400 inspections, this is the second agent I have lost beacause they did not like what was revealed during an inspection.
One agent said to his client. "If what we see in this house does not suit you, we will just go find another!" Now there is an agent who looks after his clients, even if it means more work for him. I love to work with realtors as this as I know their client benefits in the long run.
Or one agent I know tried to encourage the buyer to get an inspection. Her client told me directly that "she did not see the benefit of an inspection." the agent felt very strongly as this was a first time purchase on an older home. The agent actually paid for the inspection out of her own pocket to help the client to be informed. When we were done, the buyer told me she now sees the value of a home inspection. I have to take my hat off to the agent as she went so far to help her client.
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Barrie Inspector

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#71978 - 02/20/07 02:01 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
Ten Lakes Realty Offline
Member

Registered: 02/18/07
Posts: 26
Loc: Montana
Hey Barrie Inspector
Thanks for the information. I am glad to see there are honorable inspectors. Having Sold homes in ID, OR, and MT . I am not confident in Home inspection. I have had inspectors ask me if I want the inspection to pass or fail. I guess some folks use inspections to FAIL a deal to get earnest moeny back because they change there mine. I told the guy we just want the facts, the truth. He passed so may items that later were huge issues, this has happened to me over and over with home inspectors. I do reccommend inspections but I can never reccomend a particular inspector no matter what opinion or experience I have because MY E and O insurance provider has told me that they will not cover me if I recommend an inspector. However, I know know from legal matters I have witnessed that if the inspector passes the house and latent defects come up later that the Inspector is liable and the Realtor is "off the hook". A Lawyer told me this. The current deal I have knowledge of there was no inspection, and thank goodness because it sounds like they would not have found the major structural issues that a licensed engineer found. And than the real estate agent and the Seller that lied and covere up major issues, would slide out of the deal.

I now would say, hire an engineer to inspect the home, look for Red Flags yourself and hire inspectors in that expertise. Where you are things may be dif. But in rural OR, MT, and Idaho it seems to me that inspectors get online accredidation, have experience as contractors which does not mean alot because that is just a 70$ fee here and anyone can be a contractor. And if I aske their experience, they lie or make something up and most are only inspectors because they did not make retirement money from contracting and need to work after their kneew and back have given out. No offense to YOU, you sound honorable. But you are one of the few.
Have a Great Day and Keep on keeping those Buyers out of Trouble they can't see. and I commend you on standing up to the unscruplous Realtor, blow the deals. Maybe we can someday prove that honesty pays in Real Estate. http://www.TenLakesRealty.com
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I am not an Attorney and this post is my opinion only. http://www.TenLakesRealty.net

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#71979 - 02/20/07 05:53 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
pikes peak Offline
Major Contributor

Registered: 12/15/04
Posts: 2162
Loc: CO
 Quote:
However, I know know from legal matters I have witnessed that if the inspector passes the house and latent defects come up later that the Inspector is liable and the Realtor is "off the hook". A Lawyer told me this.
Here is anothers attorneys view about agents, buyers and inspectors:
http://www.frascona.com/resource/oef202pass.htm

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#71980 - 02/20/07 06:57 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
Barrie Inspector Offline
Junior Member

Registered: 02/20/07
Posts: 3
Loc: Barrie Ontario
Actually, no inspector should ever pass or fail a house.
That simply is not his job.
His job is to identify readily visual items that may need attention.
If any inspector mentions a house "passes" or "fails", he should be given a slap on the side of the head and get a real inspector.
As mentioned, a structural engineer can identify some items in an area that a regular home inspector cannot identify. However this is a more exhaustive examination and is not the usual format. Remember, a home inspector should not be moving items in a home or taking items apart.

I just returned from an inspection and the mother in law was onsite and asked me to identify the items they should take back to the vendor.
I advised her my report goes only to the client paying for it and is addressed as the client taking care of items mentioned. An inspector should not get involved in that area. If they want any items repaired by the vendor they should address this to their agent only. After all it is their agent who is representing their best interests.
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Barrie Inspector

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#71981 - 02/20/07 07:26 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
Does anyone other than me remember the RE/MAX home inspection commercial from a couple of years ago? The Realtor was flying over a house in the RE/MAX balloon, and the sellers yelled up: "How'd we do?" The Realtor yells down, "Your house passed."

Hmmmmmmmmmmmmm.

I believe ASHI, NACHI, and CREIA (California) all sent letters to RE/MAX about how that commercial did not do anything to help either RE/MAX or the home inspection industry.

By the way, Alea sent me many faxes about the property she was buying and I helped her sort things out. I recommended that she have a home inspection done by Jeff Pope in Santa Clarita, and she and Jeff got together. I followed up each month through the end of the year to see how Alea was doing. She was happy with Jeff and me, and they did buy the condominium.

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#71982 - 02/21/07 11:57 AM Re: I am mad, angry, worried and I need professional advice, please! (long)
Ten Lakes Realty Offline
Member

Registered: 02/18/07
Posts: 26
Loc: Montana
what Does this mean? are you saying that it is ok for an agent to pick the inspector; or to RECCOMMEND inspector ?

Were you part of this deal. I am am obviously new to this forum. and Do not really understand the point of this post. I don't reall follow remax, so you know more than me there.
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I am not an Attorney and this post is my opinion only. http://www.TenLakesRealty.net

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#71983 - 02/21/07 12:03 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
Ten Lakes Realty Offline
Member

Registered: 02/18/07
Posts: 26
Loc: Montana
Is this forum a commercial for Jeff Pope. Sounds like the inspection folks have their tail feathers ruffled. Just do the right thing- no probleam, Alea, CA is 100 percent right. the Moderator seems to be on the side of the inspector right or wrong, this blog, post forum or whatever it is seems to be a PLUG for home inspection, I do reccommend them because my insurance company says I have to but as an experienced Broker Owner, I have NO faith in the accuracy or accountibility of Home Inspection, whether they are NICE people or NOT.

 Quote:
Originally posted by Russel Ray:
And I can highly recommend Jeff Pope. He's a no-nonsense, experienced, well-qualified home inspector.
_________________________
I am not an Attorney and this post is my opinion only. http://www.TenLakesRealty.net

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#71984 - 02/21/07 12:04 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
Not a part of the deal. I simply responded to Alea and tried to help her. According to her, I was successful in helping her.

I don't follow RE/MAX either, per sé, but their commercial was on television for the whole world to see, and I don't think it did a service to either RE/MAX, Realtors in general, the real estate industry, the home inspection industry, or home inspectors in general.

Also know that lawsuits for negligent referrals are few and far between. However, even one is one too many, which is my almost every home inspector who carries E&O insurance (and, unfortunately in my opinion, that is only about half of us) automatically has a Realtor indemnity clause in that insurance. Most E&O providers (and there aren't many to begin with) automatically provide such a clause.

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#71985 - 02/21/07 12:12 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
 Quote:
Originally posted by Ten Lakes Realty:
Is this forum a commercial for Jeff Pope. Sounds like the inspection folks have their tail feathers ruffled. Just do the right thing- no probleam, Alea, CA is 100 percent right. the Moderator seems to be on the side of the inspector right or wrong, this blog, post forum or whatever it is seems to be a PLUG for home inspection, I do reccommend them because my insurance company says I have to but as an experienced Broker Owner, I have NO faith in the accuracy or accountibility of Home Inspection, whether they are NICE people or NOT.

 Quote:
Originally posted by Russel Ray:
And I can highly recommend Jeff Pope. He's a no-nonsense, experienced, well-qualified home inspector.
Read the whole thread, Ten Lakes Realty. Sounds like you have your tail feathers in a ruffle. It's sounded that way from your very first post, but I refrained from saying anything. I offered to help Alea, and I did, to her satisfaction, as you'll see if you continue reading the thread. I recommended Jeff because he was in her area. He also helped her, as you will also see if you'll continue reading.

Since this is such an old thread, perhaps it might help you if you read the whole thread before commenting on any individual post.

I'm sorry you have a poor opinion of home inspectors. There are horror stories in all industries, and we have our share of horrible Realtors, so we can go tit for tat if you want to.

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#71986 - 02/21/07 12:17 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
Ten Lakes Realty Offline
Member

Registered: 02/18/07
Posts: 26
Loc: Montana
Lawsuits are few and far between because the buyers do not want the stress or the money drain, they feel they have no rights or recourse. The real estate industry intimidates people into thinking they have no rights. More lawsuits need to play out in the court to give the power back to the buyers. Sellers sometimes lie, inspectors miss things, lots of things. Barrie, in this post sounds like he wants to and is doing the right thing. Most do Not. And Nachi, or Nahi or Wohoo or whatever accredidation someone has does not make them honest, reliable, knowledgable and accountible. Buyers really have no rights, and lawsuits are long, expensive and hard to get justice, no matter how right you are.

Also know that lawsuits for negligent referrals are few and far between. However, even one is one too many, which is my almost every home inspector who carries E&O insurance (and, unfortunately in my opinion, that is only about half of us) automatically has a Realtor indemnity clause in that insurance. Most E&O providers (and there aren't many to begin with) automatically provide such a clause. [/QB][/QUOTE]
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I am not an Attorney and this post is my opinion only. http://www.TenLakesRealty.net

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#71987 - 02/21/07 12:37 PM Re: I am mad, angry, worried and I need professional advice, please! (long)
Russel Ray Offline
Moderator

Registered: 12/30/04
Posts: 241
Loc: San Diego CA
 Quote:
Originally posted by Ten Lakes Realty:
[QB] Lawsuits are few and far between
Maybe in