Always Get An Inspection

It is not advisable to purchase a home without having a home inspection, doing one yourself or by a family member or friend. It is highly recommended that you hire a licensed and certified home inspector that has the right experience you need for your specific requirements; always verify their credentials, seek out referrals and read customer reviews. Surprisingly (most) lenders do not require having one as a requirement or as a condition to obtaining a loan but once you close it is too late; Discovering a major defect or repair afterwards can be financially devastating  considering you most likely put down a large chunk of your cash reserves for the purchase.

Buying a house in Palm Coast is similar to purchasing anywhere in the US however we may have inspection(s) that are not needed in all areas but is recommend in our area. In Palm Coast. Flagler and our surrounding areas, it is highly recommend that you perform at least these three types of inspections:

  1. General Home Inspection;
  2. W.D.O (Wood Destroying Organism) -or Commonly called termite inspection;
  3. Wind Mitigation Inspection.

These three inspections types  will cover a large gamut of potential issues in our area but not necessarily all of them; if the property has been neglected, abandon for extended period of time, or otherwise looks compromised, you may need to seek out other specific types of inspections (inspectors) such as but not necessarily limited to, mold, radon gas, asbestos, lead paint, etc.

General Home Inspection

The inspector will inspect your home thoroughly for; Major defects, things that lead to major defects, things that hinder your ability to finance, occupy or insure and safety hazards. In Palm Coast you want your inspector to look for visible signs of mold, check for Chinese drywall, water damage, etc.

Wood Destroying Organisms (W.D.O).

The inspector will inspect inside and out for all types of critters that eat and destroy wood, not just termites.   They will let you know if the home is infected and if so by what. Most issues of W.D.O. matters are minor and occur in just about every home in Palm Coast and are easily remedied with little effort and cost.  Contrary to popular belief, termites are not a overwhelming issue in Palm Coast because of our stringent building codes and exiting maintained termite bonds.  Many seller’s will have an active  termite bond (insurance) and is often transferrable to the next owner; ask your Realtor to find out before closing.

Wind Mitigation Inspection

Although history has shown Palm Coast is low on the list to be directly hit by hurricanes, Florida is susceptible to them and wind damage can occur  anywhere in the state so insurance companies like to hedge their bet with rates starting off  much higher unless you can provide proof that your home’s roof  meets current build codes, then you often can qualify for a substantial discount.   This is where a roof or wind mitigation inspection is needed. Without going into much detail, the inspector will look for truss strapping, tie-downs, nail quantity, sheathing condition/type , roof age and general overall condition. The cost of this inspection is very reasonable (especially) if the home inspector your hire is also certified for wind mitigation and can do both inspections at the same time.

What really matters in a home inspection

Buying a home the process can be stressful. A home inspection is intended to give you peace of mind but can have the opposite effect. You will be asked to absorb a lot of information over a short time. This often includes:

  • Written Report
  • Checklist
  • Photographs
  • Inspector opinions

All these items (above) combined, along with the Homeowner’s Disclosure, and what you notice yourself can make this experience seem even more overwhelming. What should you do? Relax.  Most inspection will be related to maintenance recommendations and minor imperfections.  These are good to know about however the issues that really matter will fall into four categories:

  1. Major defects; i.e. Structural failure
  2. Things that lead to major defects; i.e. Small roof leak
  3. Things that hinder your ability to finance, legally occupy or insure the home
  4. Safety hazards; i.e. Exposed live bus bar at the electrical  panel

Anything in these categories should be addressed, often serious problems can be  addressed inexpensively to protect life and property; especially in categories two and four. Most sellers are honest and are often surprised to learn about defects uncovered during a home inspection.  Realize that Sellers are under no obligation to repair everything or in case of an As-Is purchase agreement, are not obligated to repair any items or defects. If the seller is not obligated to make a repair, you will have to ask yourself if the repair item is outside the scope of your ability to make or pay for the repair however, before making any demands upon the Seller  also consider the purchase price.  Perhaps you negotiated the price low enough that a few repair hits here or there are not worth getting everyone upset and risk losing a deal over. In other words, don’t bite your nose to spite your face.

Keep Things In Perspective; No Home Is Perfect.

Do not kill your deal over things that do not really matter or if repairs are within your ability to reasonably remedy with little effort and/or out of pocket money.  Furthermore, it is inappropriate to demand the Seller to address deferred maintenance, items already listed on the Seller’s Disclosure or nit picky items.

Recommended:  Palm Coast Home Inspectors

 Flagler Home Inpections

Bickel’s Home Inspections, Inc.

House-2-Home Inspection Services

All American Inspection Services

Palm Coast Real Estate Company | Better Buy Realty
No Gimmicks. Just Results.