I’m having a hard time trying to understand how some people think that Florida’s Home Inspector SOP apply to insurance inspections.
Mitigation Inspections, 1802 form
I just reviewed the Home Inspectors SOP for home inspections and there is not one single item on the 1802 that is required by the SOP.
Owners information. Not required by SOP.
NOTE: Take photographs. Not required by SOP.
Building Code info. Not required by SOP.
Roof Covering info. Not required by SOP.
Roof Deck Attachment. Not required by SOP.
Roof to Wall Attachment. Not required by SOP.
Roof Geometry. Not required by SOP.
Secondary Water Resistance. Not required by SOP.
Opening Protection. Not required by SOP.
The Mitigation Inspection wants items about the home described on what is present.
The Home Inspection SOP you only inspect the required items and report on systems or components that are significantly deficient or near the end of its service life. You are not required to describe things about the home.
Now comes the bigger problem. We have an Inspection Form by a State of Florida Agency that provides no instruction on how to complete the form other than the form itself and will not answer questions about the form stating that they do not have the technical expertise to answer questions.
This is like trying to complete your income taxes. the long form naturally with assorted schedules and not provided any instructions on how to complete the forms.
There are a lot of different opinions being put out on how to complete the form. The only correct/valid opinion has to come from OIR.
Solutions to the problem.
The Office of Insurance Regulation (OIR) needs to put out an instruction on how to complete the from. This needs to be the approximate same size of material provided by some of the course providers, about 250-300 pages to start with.
Then, all people doing Mitigation Inspections will be using the same material on how to do the inspections.
If you have questions you can contact OIR for an answer. If they can not or will not answer your question. You can state this in your preinspection agreement/contract.
It could be mentioned that someone else/another inspector may have a different opinion about something, but the only correct/valid answer has to come from OIR.
Items could be added/changed to OIR’s instruction on the 2 year formal review.
It’s not going to be easy for a correct fix.
All items of concern needs to be addressed in your agreement/contract.
To my understanding even a Judge can not over rule a valid prior contract.
That’s why we have marriage prenuptial agreements.
The other insurance inspections. Mostly 4 points. There are more companies involved and what they want described. They also want to know if items are functional, etc. so this is some of the things that are in the Home Inspectors SOP.
The main thing is items need to be spelled out in the agreement on what you are going to do and not do. Again, legal review is a must.