Liability Insurance

Archive Public Archive
1

Originally Posted By: jruddy
This post was automatically imported from our archived forum.


I’m directing this to Pennsylvania inspectors specifically. Checking to see how or where Pa. inspectors that do WDI inspections get the liability to satisfy the states requirement.


Pa. requires inspectors to carry $100K bodily injury and $ 100K property damage for pesticide applications even if you don't do pesticide applications.

All I do is the isnpection - no application but the state does not differentiate. Company I used in the past has decided not to write the coverage.

Any help appreciated.

2

Originally Posted By: Nick Gromicko
This post was automatically imported from our archived forum.


of WDO. PA only licenses those who treat for WDO.


Of course if you want an applicators license you have to buy insurance even if you only inspect.

--
Nick Gromicko
Founder
dues=79cents/day.

I much prefer email to private messages.

3

Originally Posted By: rwills
This post was automatically imported from our archived forum.


Nick quote"You are mistaken. There is no legislation or regulation in PA that governs the inspection-only of WDO. PA only licenses those who treat for WDO."


This is true however, a lot of lending associations will not accept a WDI Inspection Report (form NPMA-33) if the inspector does not include the (Company's Business Lic. No) on the report which you can only get of course by applying for the treatment license. It's a catch 22!

I too am looking for this coverage to perform the inspections!

--
Bob Wills - MAB Chairman
BW Inspection Services
Warminster, Pa.
http://www.bwinspections.com

4

Originally Posted By: jhagarty
This post was automatically imported from our archived forum.


BUYER WAIVES THIS OPTION and agrees to the RELEASE in paragraph 27 of this Agreement.


ELECTED. Contingency Period: days (15 if not specified) from the Execution Date of this Agreement.
(A) Within the Contingency Period, Buyer, at Buyer?s expense, may obtain a written ?Wood-Destroying Insect Infestation Inspection Report? from an inspector certified as a wood-destroying pests pesticide applicator and will deliver it and all supporting documents and drawings provided by the inspector to Seller. The report is to be made satisfactory to and in compliance with applicable laws, mortgage lender requirements, and/or Federal Insuring and Guaranteeing Agency requirements, if any. The inspection is to be limited to all readily visible and accessible areas of all structures on the Property except fences and the following structures, which will not be inspected: ____________________________
________________________________________________________________________________________________________________
(B) If the inspection reveals active infestation(s), Buyer, at Buyer?s expense, may within the Contingency Period, obtain a Proposal from a wood destroying pests pesticide applicator to treat the Property.
(C) If the inspection reveals damage from active or previous infestation(s), Buyer, at Buyer?s expense, may within the Contingency Period, obtain
a written report from a professional contractor, home inspector or structural engineer that is limited to structural damage to the Property caused
by wood-destroying organisms and a Proposal to repair and/or treat the Property.

--
Joseph Hagarty

HouseMaster / Main Line, PA
joseph.hagarty@housemaster.com
www.householdinspector.com

Phone: 610-399-9864
Fax : 610-399-9865

HouseMaster. Home inspections. Done right.

5

Originally Posted By: rwills
This post was automatically imported from our archived forum.


Thanks Joe!

–
Bob Wills - MAB Chairman


BW Inspection Services


Warminster, Pa.


http://www.bwinspections.com

6

Originally Posted By: Nick Gromicko
This post was automatically imported from our archived forum.


Seems like the new clause requires the fox to guard the hen house. I was a REALTOR in PA for many years and I always recommended to my clients that they avoid applicators when choosing a WDO inspector, avoid mitigators when choosing a radon inspector, and avoid using their contractors to do the home inspection (back before regulation prohibited such conflict of interest).

–
Nick Gromicko


Founder


dues=79cents/day.


I much prefer email to private messages.
7

Originally Posted By: jruddy
This post was automatically imported from our archived forum.


Thanks for the responses but I’m still on square one. Joe Hagarty, are you licensed for inspections and applications? Do you use a surplus lines carrier to insure for the required Pa. liability and if so who are you using?

8

Originally Posted By: jhagarty
This post was automatically imported from our archived forum.


Joe:


Insured by the same company as you.

I am experiencing the same problem with regard to coverage.

I am looking at several options and will let you know what I come up with.

--
Joseph Hagarty

HouseMaster / Main Line, PA
joseph.hagarty@housemaster.com
www.householdinspector.com

Phone: 610-399-9864
Fax : 610-399-9865

HouseMaster. Home inspections. Done right.

9

Originally Posted By: wpedley
This post was automatically imported from our archived forum.


Guys,


What I have done to get around all this is to sub out to a Company that

not only inspects for problems but treats for it also. As long as I am not

personally doing anything I don't have to worry about insurance. It works

for me.

--
BPedley
Inspecting for the unexpected

10

Originally Posted By: jruddy
This post was automatically imported from our archived forum.


Nick, do we have or can we exert any leverage on the Pa. Depaatment of Ag to look at this differently. As you said, is’t like having the fox guard the hen house. I’ve experienced cases where applicators do an inspection and come up with bogus reasons to charge for applications.

11

Originally Posted By: jhagarty
This post was automatically imported from our archived forum.


Joe:


It is not likely that any assistance from Nick would persuade the PA Department of Agriculture to change any policy.

Obtaining the proper Insurance and Licensing is the only way to go.

I have made several contacts this week and have a few leads for next in an effort to duplicate what we already have.

--
Joseph Hagarty

HouseMaster / Main Line, PA
joseph.hagarty@housemaster.com
www.householdinspector.com

Phone: 610-399-9864
Fax : 610-399-9865

HouseMaster. Home inspections. Done right.

12

Originally Posted By: jruddy
This post was automatically imported from our archived forum.


OK Joe. I’ll follow up with you and if I get anything from my efforts I’ll let you know.

13

Originally Posted By: rwills
This post was automatically imported from our archived forum.


I too have made some contacts on this matter and will let you guys know if I come up with something this week. BW

–
Bob Wills - MAB Chairman


BW Inspection Services


Warminster, Pa.


http://www.bwinspections.com

14

Originally Posted By: cbutler
This post was automatically imported from our archived forum.


Hey guys,


let me know too.


THANKS!

–
Sincerely,


Chris Butler


(Former) Director of Membership @ FREA


chris_butler32@yahoo.com