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Found 10 results

  1. Hi TIJ Readers! Happy New Year! And Happy National Radon Action Month! With the growing interest in radon inspections among the inspection community, we decided to kick off the year by interviewing 10 inspectors that offer radon testing. They share why they test, what investments they make to test, and how they manage risk. See an excerpt below. Best, Stephanie Radon inspections: What you need to know Radon: the colorless, odorless gas emitted into the air by the radioactive element, radium, as it breaks down in soil, rock, and water. Typically, radon penetrates buildings
  2. Hi TIJ Readers! When you're in the process of buying or selling an inspection business, insurance is rarely the first thing on your mind. However, planning for your prior acts and future coverage is an important part of ownership changes. We go over some of the important insurance-related considerations in this article. Enjoy! Stephanie What happens to my insurance policy when I sell my business? And other coverage questions relating to ownership changes Could or have one of the following scenarios happened to you? The owner of the home inspection company that you wor
  3. Hi TIJ Readers! As many of you have reached out with feedback on our risk management articles, we've discovered that many of the same questions and concerns keep coming up. Many of those ideas have inspired the articles we plan to write in 2020. And we explore just a piece of one in this case study. The concept: When is it appropriate to exceed the Standards of Practice? And what increase in liability, if any, will I experience when I exceed the SoP? In this case study, we see an argument against a relatively common inspection practice: moving seemingly harmless objects to conduct a m
  4. Hi TIJ readers, Every few months or so, we try to share a story from our pre-claim and claim archives. By choosing cases representative of the allegations coming in, we hope to help you manage your own business' risk against similar complaints. Enjoy! Stephanie With A Little Help From My Friends: A Home Inspection Insurance Pre-Claim The following is a real home inspection insurance pre-claim from our insurance claim archives. In order to protect the insured's identity, all identifiable characteristics—including names, associations, and locations—have been omitted or removed
  5. Hi TIJ Readers! If you've followed our series on the top claims against home inspectors, you know that most industry allegations involve errors or omissions, which mean they are filed against inspectors' E&O coverage. (For those of you who've missed them, check our articles on the industry's top claims here. We recommend starting with the Top 5 Claims.) However, like E&O claims, there are certain types of general liability (GL) claims that are more prevalent than others. We discuss the top 5 general liability claims against home inspectors and how you can avoid them. Enjoy an exc
  6. Hi TIJ readers! Hope you're all enjoying the summer inspection season. Our latest article was inspired by a question we that kept coming up at shows and on the phone: I know that E&O and GL can protect my business against claims. But is there a type of insurance that can protect my business from loss or damage to all the expensive equipment I use? The answer is yes. Equipment coverage, otherwise known as inland marine insurance or a property floater, is an add-on coverage that protects your tools and equipment. Check out the preview below to start learning what the coverage entails,
  7. Hi TIJ Readers! Wondering how you can better prevent claims? Or what it would be like to have a claim? To try to help answer these questions, we publish details from actual home inspection insurance claims every few months. We hope you enjoy our latest case study. Best, Stephanie The Sinking Yard: A Home Inspection Insurance Claim The following is a real home inspector case study from our insurance claim archives. In order to protect the insured's identity, all identifiable characteristics?including names, associations, and locations?have been omitted or removed. "You h
  8. Hi TIJ Readers! Here's a preview of our latest article, which covers the ins and outs of workers' comp for home inspectors. Enjoy! Stephanie Several months ago, we were reviewing a home inspector's workers' compensation policy. Unbeknownst to that home inspector, their insurance carrier wasn't familiar with the property inspection industry. Despite their lack of experience in the inspection space, the carrier didn't want to turn the home inspector away. Instead, the insurance company categorized (or grouped) the home inspector in what they perceived to be the closest type o
  9. Hi TIJ Readers! For the first article of the month, we really wanted to address an industry pain point: fear of the insurance company. Most of the time, if inspectors delay or avoid reporting complaints, it's because they're afraid that the insurance company will mishandle them and/or up their premiums. But, there are lots of reasons why reporting claims early is important?and many of those reasons involve home inspectors saving money. We hope to shed some light on a few of those benefits. Enjoy! Stephanie How To Save Money By Reporting Claims Early Let's face it: Insuranc
  10. Hey TIJ Readers! Long time since I last posted. National Home Inspection Month was a busy one for us with our funny home inspection story contest and our first-ever guest-written article. (You can read the top stories from the contest here and Randy's article here.) Since so many of our articles focus on errors and omissions issues, we decided it was time to share a story from our archives that addressed a general liability problem. What makes this one interesting, too, is that it addresses not only the power of pre-claims assistance but the power of a well-written report. You can rea
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