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What is a Home Inspection?
Get insured to practice home inspection.  XML
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papedizle
Rolling Stone

Joined: 12/28/2016 04:08 PM EST
Messages: 4
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Hello,

I recently received my certification to practice home inspections in the DC area. Got the tools, open a business account, registered my business in DC, ordered business cards. all the items needed to be a successful home inspector but seem to have trouble getting insurance. Every place I contact come back with the same answer "you have no experience, therefore we can't insure you." It makes sense but at the same time very frustrating. Advice anyone please. I would greatly appreciate any information on how to get good professional liability.

Thanks
GMedich
Pop Tart
[Avatar]

Joined: 10/19/2016 08:49 AM EDT
Messages: 25
Location: Rockford, MI
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Welcome to the forum, and congrats on getting your business in order for your start-up phase. Some of these issues can be frustrating at times.

To help us better understand your situation, please let us know what kind of insurance agencies you have contacted. Have they only been local agencies? Were they national? Did you contact any which are associated with home inspector associations? Let us know so we don't suggest potential solutions you've already tried.

GRANT MEDICH
1st Call Home Inspection, LLC
Rockford, Michigan
[WWW]
papedizle
Rolling Stone

Joined: 12/28/2016 04:08 PM EST
Messages: 4
Offline

Hello again and thank you so much for your quick answer.

I completed my certification with ASHI and I am a member of ASHI as well. Once I finished all my training, they sent me a package with multiple items in it to help start my business. They recommended an insurer based out in New Jersey and said that they work with ASHI. My natural instinct was to contact the place and get a quote, They got back to me a few days later and said that they could not offer me insurance because I have no experience in home inspection or construction. I thought that was a little odd given that ASHI recommended the place. I addition, I have contacted Statefarm and and Liberty Mutual (which are nationwide) and got the same response. I am looking to running my own business and feel like I can't get going without General and professional liability.

Let me know if you have any other questions.

Thanks again!
Mike Casey
General
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Joined: 06/28/2014 07:21 PM EDT
Messages: 1245
Location: San Diego CA
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Try http://www.inspektmagazine.com/ISGIntergratedPartners

Mike Casey
Director of Education
Home Inspection University
www.HomeInspectionUniversity.com
www.MichaelCasey.com
[Email] [WWW]
papedizle
Rolling Stone

Joined: 12/28/2016 04:08 PM EST
Messages: 4
Offline

Hi all,

I heard that most new home inspectors need to complete a certain number of hours of apprenticeship. Do any of you know the required hours? I am thinking calling a few home inspectors in my area and ask them if I could complete the necessary hours under their mentorship.

Thanks
Mike Casey
General
[Avatar]

Joined: 06/28/2014 07:21 PM EDT
Messages: 1245
Location: San Diego CA
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District of Columbia is not a licensed location for home inspectors, thus apprenticeship is not required. Other states may differ, so it depends.

I would certainly recommend that you do some ride-alongs with an experienced inspector and several practice inspections prior to taking on any clients.

Mike Casey
Director of Education
Home Inspection University
www.HomeInspectionUniversity.com
www.MichaelCasey.com
[Email] [WWW]
papedizle
Rolling Stone

Joined: 12/28/2016 04:08 PM EST
Messages: 4
Offline

Mike,

Thank you for your quick answer. I will definitely follow your advice.

Happy new year and have a great rest of your day!
 
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