Thank you but been there, done that and to old to go back to Amsterdam (YES!). Last time I was there I wasn’t. Lost three days and lots of money and didn’t even have a memory of it! 
Not to hijack the thread but here’s an idea. Have a contest for new ideas. Any idea that you think is useful and try results in a ton of food given to local food pantries and/or women’s shelters. Give it in INACHI’s name and you can’t ask for better PR than that!
Nick, how many houses have InterNACHI bought back since the start of this guarantee?
How long before it goes back on the market Nick? Maybe you said above somewhere and I missed it. 
You should work at InterNACHI, seriously.
I’d like to see the actual home inspection report, hear what the inspector missed and see if I can help him or her to keep this from happening again.
Apples to oranges … he’s a newbie who took a proctored exam and passed by the luck of the draw. He was smart enough to get the insurance and the buy back guarantee in case something like this happened and it did.
I hope that y’all (InterNACHI) see the oversight and don’t scold the child with a No-No Bob but actually “Teach” him hands on in the subject areas he missed.
He’s young good looking and has potential, I get it. If he doesn’t learn from his mistakes, well then Bob is gonna keep (excuse my language) f****** up. We all make mistakes and we grow into better inspectors by learning from them.
Attention Mr. Bob H. Inspector from Utah … send me a copy of that Inspection Report to InspectorMike@inspector-mike.com and install an app on your phone called ZOOM. I’m not gonna make fun of you. We’re gonna find out why this happened in the 1st place. (Scared, rushing around and just not knowing the material as well as you should). Don’t whine and cry about it, I’m not charging you anything (Pro Bono) just send that particular report to me right away. It’s February and next month it really is gonna pick up. I don’t wanna read about another Utah home being bought back by InterNACHI from the same Inspector Bob.
Since I’m good enough to take time outta my busy schedule, don’t be a whiny little B word and don’t interupt me when I’m speaking. Keep that Salt Lake City mouth shut for once, show respect to 1 of your Elder’s and take this as a valuable learning lesson that you’re about to get schooled by a Living Legend.
Put in the sending text box right below your email name (InterNACHI Utah Home Inspector). I check this particular email 1st thing in the morning and right after supper.
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Michael, You certainly are full of yourself. . . . or were you just pretending to be ? ? 
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Are you saying he’s not a “living legend?”
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That is typical. It has to be in writing. Likely an email is sent before hand.
Got any mountain property with a cave on it for sale I can commute from? If so all I have to do is convince the Wife to move and I’m there! Of course I have not been that convincing in over 40 years so looks like I loose.
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Joseph Keresztury, CMI
(With all due respect: Young Man, Silence and Listen)
I checked my Inspector Email this morning and saw that both you and Ryan had replied to my post. You stated: “Michael, You certainly are full of yourself. . . .”
Actually, I’m not, I’m Hungry for more of me. I’m Sexy, Good Looking (Got a nice *** and a mammoth-sized python of a super-sized **** that I walk around with daily that keeps a smile on my face). I’ve been called a lot of things. For example, when I served in the United States Army as a Combat Medic and was stationed at Fort Sam Houston in San Antonio, Texas (your area), I picked up the nickname: “The Virginia Gentleman”. My 1st wife called me a Mother F*****. I’ve been called Dad, Brother, Son, Colleague, and a Friend who’s always gonna have your back. I’ve been called dedicated, Punctual, Persistent, Crazy, and about anything, you could think of.
With everything that I’ve done in my life and everywhere I’ve been around the world I earned the title “Living Legend” before I was 30 years old. I’ve done things that would scare the T total **** outta ya’. If you count the dollars in your bank account, I assure you with the utmost confidence that I’ve laid more women than the money laying around in your bank account.
Yeah, I’m a Crazy Mother F***** from right here in the Blue Ridge Mountains of Southwest Virginia. I’m unlike any other. I respect almost all Home Inspectors until they give me a reason not to (and there have been a few over the years). I’m a good man but a bad boy and if you mess with my wife or any of my 5 kids or my Grandson, I will not only F*** you up but I will torture you and disfigure you beyond recognition and roast your a** with my Flamethrower and then scatter your ashes in various places.
Sure you’re gonna laugh thinking you’re a better Inspector than me.
Ah ha ha ha ha ha ha ha
F****** Crazy Yo’
I’ve been in Real Estate all my life. Started work at 8 years old. Renovated multiple properties all up and down the east Coast, Bio-Remediation in both Kentucky and West Virginia. Inspected Homes over the last 28+ years in Maryland, Virginia, West Virginia, North Carolina, Tennessee, South Carolina, and Georgia.
I’ve got Certifications that date back right at 30 years in this Profession.
The difference between me and everybody else (well mostly everybody) is I beat to my own drum (I don’t give Two Turtle F****). How many Home Inspectors (you might be 1 of them) pretty much get A** F***** with a “Stiffy” from Real Estate Agents all across this great country?
This post will not end up as an attack on me, I’ll tell you that real quick. My initial reply was to offer help to this particular inspector. I am the only 1 who has personally reached out to the Utah Home Inspector to help him. Y’all can’t say that, now can you?
I got work to do.
I wish you and every other Home Inspector the best and always remember to stay safe out there.
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Something doesn’t add up here. The house was purchased 5/12/22 and the first engineer evaluation was less than six weeks later. I think one of three things happened that resulted in the insurance company denying the claim:
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The inspector disclaimed the foundation for whatever reason.
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The inspector reported a foundation defect and the buyers ignored it in order to secure the purchase.
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The inspector missed a defect that was glaringly obvious to everyone else and the insurance company threw him under the bus.
I would love to see the inspection report.
It feels like the reason why the E&O provider denied the claim is purposely missing from this story.
Did the inspector have a PIA signed BEFORE the inspection?
Did the inspector even have E&O insurance or were they skating by with just GL? A competitor of mine tried this a few years ago. He told a buyer not to worry about a roof that needed to be replaced as it would be covered by a CertainTeed class action lawsuit. Only problem was that the shingles were worn out OC. When the buyer came after him, he then tried to blame the denial on his insurance company. He is no longer in business.
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Errors and omissions insurance protects the insured from financial loss resulting from his own errors and omissions without regard to the area of the structure omitted or erroneously reported. When coverage is denied, it is due to a named exclusion or condition in the policy (i.e. being sued for breach of contract, failing to promptly report claim to the insurance provider, being sued for fraud or bias such as collusion with a seller or agent, failing to have a signed contract with the client, etc.) or the insured’s failure to comply with certain duties under his contract with his insurance company.
The real question is: Was a claim filed by the home inspector with his insurance provider and was it denied?
Frankly, Nick’s description of the events that transpired does not show that a claim was ever filed with or denied by the insurance carrier. He simply said that the carrier refused to provide money to the homebuyers who requested it from them and who, as we know, are not a party to the insurance contract, not named in the policy, and have no right to demand money from the inspector’s insurance provider under any circumstances. Refusing to give money to the inspector’s customers is not a denial of a claim. The carrier provides insurance coverage to the inspector, not his customers. Accordingly, if no suit was filed against the inspector, his insurance carrier had no duty to defend him.
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The first thing an insurance company is going to do is review the report and ask the question: did the inspector fulfill his/her contractual obligations and SOP?
According to his original post, yes.
No, it is not. The first thing an insurance company does when a claim is filed against a policy … which, in this case, it is not clear that a claim was filed … is to review the facts of the claim being filed against the conditions stated in the policy.
Nick’s description of the events does not include the filing of a claim by the home inspector for coverage under his policy. Instead, he said that the homebuyers attempted and failed to negotiate a “claim” with the insurance provider which (since they are not named in the policy and not entitled to coverage under it) was not an actual “claim”, but a request for money. It is quite possible that the carrier reviewed the demand and felt that it was defensible and that, if the buyer sued the inspector, it could be successfully defeated in court and rejected it, accordingly.
For example, consider a contract that limits the inspector’s liability to the amount of his fee and the homebuyer, not wanting to accept that limitation, called the inspector’s insurance company and said he owed them $5K and they wanted the carrier to pay them. The carrier would reject the demand. That is NOT a denial of a “claim” by the insurance provider. Likewise with any other request for money that the carrier is not willing to pay to a homebuyer. It is important to remember that an E&O policy insures and protects the insured policyholder … not his customers.
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Talk to Ben. He will set you up. Never look back.
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Agreed. Also, how did the buyers and their agent also miss a 5" foundation drop. For $30+, you can purchase a self-leveling laser. I use it on all manufactured homes, regardless, and on any stick-built home where I have the slightest suspicion the floors are not level.
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The facts of the claim would include the home inspection report, would it not? I’m not too sure what you’re arguing against. The inspection report would clear up the confusion, that’s all I’m saying. Did the inspector disclaim it, report it, or completely miss it?
I’m arguing against (1) the possible mistaken assumption that a claim was ever filed by the home inspector and denied by his insurance company (Nick did not say this happened, rather he carefully stated and repeated three times that the inspector reported the claim to his “insurance sales company”. Reporting your claim to a broker who sold you the policy is NOT filing a claim against the company that issued the policy.), and (2) that E&O coverage is contingent upon the accuracy of a home inspection report since coverage actually begins when a claim is made that a material defect is erroneously disclaimed, reported, or missed. You don’t have to be innocent of making an error or omission to receive E&O coverage. Your claim will NOT be denied upon the basis that you made an error or omission in your report. That is what the insurance is for.
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