Hey guys. I started my business about 6 months ago. I’ve done around 50 inspections. About every person or their realtor have commented on how through my inspections are. And I’ve had many repeat inspections and referalls. Yesterday I received a call from a client who stated I missed the clfact her bathroom floor is rotted and the tiles are coming up. I have no documentation about any issues in this bathroom… I liked up my inspection and the home is on a slab… It was vacant for some time when I inspected (no moisture present) and it’s been over 2 months since I have done the inspection … She’s pissed and sounds like she is expecting some kind orlf reimbursement. My state of Michigan does not allow this to my knowledge but I still don’t want an upset customer and a bad review!!! Any advise??
Be sure to let your E&O carrier know immediately. They can offer you the best advice.
Wow, then I’m moving to Michigan.
What is a E&O ?
I will have to check if there is a course about “dealing with Pissed off costomers”?
Yikes!!!
Hello, new guy here… Just asking for basic info…
Google is your friend
I would highly suggest you look into it and obtain one.
Errors and omissions insurance ( E&O ) is a type of professional liability insurance that protects companies, their workers, and other professionals against claims of inadequate work or negligent actions.
OHH , I am new and ignorant as a home inspector industry for sure. That is why I want to wait until 2020 to start my business. I will do well in doing inspections because of my 45 years of back ground, where I am my weakest is Marketing, precautions and running a business as a whole.
Thank you for your info, much appreciated…
I will do my own resource into “E&O”, I need to see how that works in conjunction with my LLC business I have set up?
I highly recommend E&O and General Liability insurance. Many say, it is not if you get sued, it is when you get sued.
…You can’t squeeze blood out of a rock… Can’t take it if ya ain’t got it (ie. if they can’t find it)!! 
Errors & omissions insurance…Rut roh…
I’ve never had E&O…
You don’t need it if you have no assets.
Frank! …Frank!
Shut up!
I’m self insured with the exception of the liability.
I’m not gonna miss anything Brother…
They’ll find it. 
Not with me they wouldn’t…Nope!
E&O is a total waste of good money if you know what your doing…
Another way to siphon money from hard working inspectors…
I hope they never need to, Roy. 
I kinda agree with you Roy. I bet 99% of E&O claims are settled by the amount of the deductible.