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What is a Home Inspection?
E&O Rates are going down  XML
Forum Index » General Home Inspection Discussion
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David Brauner
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Joined: 04/11/2016 04:19 PM EDT
Messages: 2
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Hello! My name is David Brauner and I’m happy Nathan has invited me to connect with you. I’m Senior Insurance Broker at OREP, one of the leading providers of E&O/GL insurance for home inspectors in the country. I’ve specialized in E&O for inspectors for over 20 years.

Your E&O rates should be going down, not up, so I thought I’d take this opportunity to let you all know that OREP’s E&O program provides broad, comprehensive coverage for very competitive rates. There’s a partial list of what is covered in the program at no additional premium (most states). Premiums begin around $1,000. If you haven’t checked out our program, now is the perfect time. Along with the insurance there are many extras, like “InspectorAdvisor.com” and “First Defense,” which is in place to insulate you from frivolous complaints. Inspectors also get a free subscription to Working RE Home Inspector, one of the widest circulation print magazines for inspectors in the country. And of course, one of the most valuable benefits our insureds enjoy is provided by Nathan to help inspectors handle and avoid claims. If you are using RecallChek and the RWS home warranty with your inspections, up to $1,500 of your deductible can be covered if you ever face a claim.

The OREP E&O insurance program includes Errors and Omissions, General Liability, Radon, Termite/WDI/WDO, Lead Paint, Pool & Spa, EIFS/Stucco, Indoor Air Quality Testing, Green Building Inspections, Infrared Thermography, Rodent inspections and more. Mold and Septic/Water testing are available for a small additional premium (most states). The carrier is “A” Rated and Admitted in most states. Prior Acts, multiple inspectors, commercial, additional insured for agents/referring parties and much more are included.

You can reach me at dbrauner@orep.org. For lower insurance rates, visit www.OREP.org Or call toll-free (888 ) 347-5273. David Brauner Calif. Insurance License: #0C89873.

This message was edited 2 times. Last update was at 04/11/2016 05:15 PM EDT

Michael Altizer
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Joined: 10/31/2014 06:20 PM EDT
Messages: 1154
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David, I want to go with OREP but sadly Maria hasn't replied with my financing agreement, for some reason or another. I'm a patient man but I need some figures, headed my way.
Michael Altizer
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Joined: 10/31/2014 06:20 PM EDT
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Maria just got back in touch with me. I understand how your underwriting goes but my start date shouldn't keep me from getting a quote on financing. I provided your company with everything that was asked of me.

Think about it this way: If you're going to buy a house, first you shop around until you find what you're looking for. Next you contact the appropriate people to look at the house and discuss things over with your spouse. Somewhere along the way you ask how much are you asking for it and then negotiate the terms. You will not have all of those thousands of dollars to spend, so you get financing and so on and so on; until you become the owner of the property.

I'll throw this at you, while I'm at it. I've dealt with the same car insurance agency for over the past 25 years and when I purchase a vehicle, I call them while I'm there and provide them with the VIN number, make, model, etc. The sweet ladies say hang on and let me see what I can do for you Michael (honey). A few minutes of holding and they're back on the line with a quote and every single time I agreed, said thank you and had the vehicle insured, on the spot(within minutes).

To sum things up for easy clarification:

Because that's my official launch date to be back out inspecting. All that I'm asking for is something showing me the financing terms and payment arrangements. The policy will not go into effect until you have a signed agreement back from me with payment for services. It's like quoting a fee basically. Please have something drawn up for me. I like what you have to offer and I don't want to shop around for insurance providers.

I don't see what the problem is. Is it because I'm a white male?
Michael Altizer
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Joined: 10/31/2014 06:20 PM EDT
Messages: 1154
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I'm not asking for your company to insure just any Inspector. My name is: Michael Wayne Altizer and I am "The Home Inspector".
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David Brauner
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Joined: 04/11/2016 04:19 PM EDT
Messages: 2
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Hi Michael- thanks! It's best to discuss specific insurance issues privately instead of publically because of privacy concerns. I therefore can’t address specifics but I'm happy to say that we have spoken to the underwriters and we can write you ASAP. As far as arranging payment/financing, please call or email Maria or myself during business hours and we’ll be happy to walk you through the way it works. Thank you!
Michael Altizer
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Joined: 10/31/2014 06:20 PM EDT
Messages: 1154
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Understood.
Mjminspection
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Joined: 11/22/2015 08:34 PM EST
Messages: 34
Location: Long island New york
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David if im in new York and have another inspector that works for mr do i need take out two policies or just one for the company?

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Isaac Peck
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Joined: 04/12/2016 11:20 AM EDT
Messages: 7
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Mjminspection wrote:David if im in new York and have another inspector that works for mr do i need take out two policies or just one for the company?


Hi there! My name is Isaac Peck and I am the Director of Marketing at OREP.org and Editor of Working RE: Home Inspector.

No, all of OREP's policies cover the company-- there's never any need for two policies. NY is one of three states that work a little differently in certain respects. OREP covers lots of multi-inspector firms, so we know how to get you the best coverage for the best rates. Feel free to give us a call at 888-347-5273 if you're currently shopping!

This message was edited 1 time. Last update was at 04/12/2016 11:46 AM EDT


OREP provides comprehensive E&O and GL insurance for home inspectors.
Shop OREP Today and Get Quoted in Minutes: http://orep.org/home-inspectors-eo-insurance/

Working RE Home Inspector reaches 12,000 home inspectors in print and 16,000 online. Are you getting the latest inspection news?
http://www.workingre.com/home-inspector-magazine-news/
William Chandler
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Joined: 06/23/2014 04:28 AM EDT
Messages: 1358
Location: Florida
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I waited two weeks for a quote and you were higher than my current provider.

Property360, LLC
www.TheBuildingInspector.net
www.360pestpro.com
www.inspectnewhome.com
www.property360concierge.com
www.mold360.com
homeinspectionflorida.us/
jacksonvillehomeinspectionguide.com
orlandohomeinspectionguide.com
thecommercialbuildinginspector.com
ASHI Certified Inspector
Certified Master Inspector
"Everyone is entitled to their own opinions but not their own facts"
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Isaac Peck
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Joined: 04/12/2016 11:20 AM EDT
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William Chandler wrote:I waited two weeks for a quote and you were higher than my current provider.


Hi William, I'm sorry to hear that! I looked up your name in our CRM and I don't see that we quoted you, so hopefully you're not confusing us with someone else. Sometimes a trickier account can take a little longer to quote, but the vast majority of our quotes are back in 2-3 business days.

Most inspectors qualify for our self-rater application and can secure coverage in minutes.

Feel free to reach out to me personally next time you're shopping. Our rates should be going lower in the next few months so there's a chance we can beat your current carrier.

OREP provides comprehensive E&O and GL insurance for home inspectors.
Shop OREP Today and Get Quoted in Minutes: http://orep.org/home-inspectors-eo-insurance/

Working RE Home Inspector reaches 12,000 home inspectors in print and 16,000 online. Are you getting the latest inspection news?
http://www.workingre.com/home-inspector-magazine-news/
Nathan
King
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Joined: 06/17/2014 09:32 PM EDT
Messages: 5244
Location: Carmel, IN
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Always try Allen and OREP first- I find their rates to be low and both participate in our full $1500 E & O Deductible reimbursement program that applies to over 5,000 inspectors- a program that is open to all insurers (at no cost).

Then I would go to our friends at InspectorPro and EliteMGA.

Between these four, a large majority of policies are held and for a reason.

P. Nathan Thornberry
www.Nathan.tv
Take Your Career to the Next Level > https://youtu.be/hdBCJbl5byo
The #1 Vendor in Real Estate & Home Inspection
www.InspectionSuccess.net
www.RWSwarranty.com
www.InspectorServicesGroup.com
www.RecallChek.com
www.InspectorLab.com
www.InspectionSuperConference.com

Find a Certified Inspection Expert exclusively at www.InspectionCentral.net
Get your E&O Insurance at 20%+ off your current rates at www.RWSinsurance.com
[Email] [WWW]
William Chandler
General
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Joined: 06/23/2014 04:28 AM EDT
Messages: 1358
Location: Florida
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Isaac Peck wrote:
William Chandler wrote:I waited two weeks for a quote and you were higher than my current provider.


Hi William, I'm sorry to hear that! I looked up your name in our CRM and I don't see that we quoted you, so hopefully you're not confusing us with someone else. Sometimes a trickier account can take a little longer to quote, but the vast majority of our quotes are back in 2-3 business days.

Most inspectors qualify for our self-rater application and can secure coverage in minutes.

Feel free to reach out to me personally next time you're shopping. Our rates should be going lower in the next few months so there's a chance we can beat your current carrier.


I remember I had your completed app on my desk for 2-3 weeks and finally called a lady in your office. She gave me an estimated quote on the phone. We don't meet your self rater program - too much business and too many requirements for ancillary inspections.

Property360, LLC
www.TheBuildingInspector.net
www.360pestpro.com
www.inspectnewhome.com
www.property360concierge.com
www.mold360.com
homeinspectionflorida.us/
jacksonvillehomeinspectionguide.com
orlandohomeinspectionguide.com
thecommercialbuildinginspector.com
ASHI Certified Inspector
Certified Master Inspector
"Everyone is entitled to their own opinions but not their own facts"
[WWW]
William Chandler
General
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Joined: 06/23/2014 04:28 AM EDT
Messages: 1358
Location: Florida
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Our E&O goes up every year based on increased sales volume (or at least that's what I hear).

Property360, LLC
www.TheBuildingInspector.net
www.360pestpro.com
www.inspectnewhome.com
www.property360concierge.com
www.mold360.com
homeinspectionflorida.us/
jacksonvillehomeinspectionguide.com
orlandohomeinspectionguide.com
thecommercialbuildinginspector.com
ASHI Certified Inspector
Certified Master Inspector
"Everyone is entitled to their own opinions but not their own facts"
[WWW]
Michael Altizer
General
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Joined: 10/31/2014 06:20 PM EDT
Messages: 1154
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I have to admit - not going into details ..... but over the past week, I've been impressed with the staff at OREP. Excellent customer service, Awesome pricing that still has me smiling and just what I was looking for, with all the bells and whistles. I will not be looking elsewhere. I have found what I've been looking for and look forward to doing repeated business over the years with OREP.
Nathan
King
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Joined: 06/17/2014 09:32 PM EDT
Messages: 5244
Location: Carmel, IN
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William Chandler wrote:Our E&O goes up every year based on increased sales volume (or at least that's what I hear).


As it should, no?

P. Nathan Thornberry
www.Nathan.tv
Take Your Career to the Next Level > https://youtu.be/hdBCJbl5byo
The #1 Vendor in Real Estate & Home Inspection
www.InspectionSuccess.net
www.RWSwarranty.com
www.InspectorServicesGroup.com
www.RecallChek.com
www.InspectorLab.com
www.InspectionSuperConference.com

Find a Certified Inspection Expert exclusively at www.InspectionCentral.net
Get your E&O Insurance at 20%+ off your current rates at www.RWSinsurance.com
[Email] [WWW]
 
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