The initial contact with Ralph was great. He called me back within an hour of my call and was very happy to schedule an appointment for the inspection, which I paid for immediately. He showed up for the appointment on May 4th on time and was very thorough. My husband, who accompanied him, was impressed. We had a short inspection window on the house, and Ralph turned around a very thorough, detailed homeowners' inspection report within 24 hours, which we really appreciated. The problems came after that. When I originally spoke with Ralph to place the order for the inspection, he said that the 4-Point Insurance report would be a high-level report for insurance purposes only and it would not be anywhere near as detailed as the pre-closing homeowners' report. (I have this in my notes from our phone call; I am an obsessive note-taker.) Unfortunately for us, though, the 4-Point Insurance report that Ralph delivered includes a laundry list of every little thing he found during the inspection, no matter how trivial or irrelevant for insurance purposes. For example, he noted a drain stopper that is not working in one of the bathtubs (which means the tub can't fill up properly) and a wobbly utility sink in the garage. If his goal was to make us aware of these problems, he accomplished that with the pre-closing homeowners' report. Why, then, did he feel the need to repeat this stuff in the 4-Point report? As a result of this, we are having a REALLY difficult time getting homeowners' insurance. As our closing date is sneaking up on his, this is understandably nerve-wracking! I have spoken with several insurance agents in the past three week, all of whom say the SAME thing: Ralph included WAY too much detail in the 4-Point report. In speaking with an Allstate insurance agent about this, he said (and I quote): "Most of these things he's pointing out here [in the 4-Point Inspection Report] are not relevant for insurance purposes and I don't know why he's putting them in here. It makes our jobs harder because the underwriters are always going to kick this back to us and say 'We can't insure a house with this many 'defects'." It doesn't matter that the "defects" are things like a bad drain stopper. The insurer said that if the inspector notes it as a "defect" in the 4-Point inspection report, even if he says the four systems themselves are in good working order, then an insurer has to require that the item be repaired prior to closing. The Allstate agent asked us to go back to Ralph and ask him to remove the items that are totally irrelevant from an insurance standpoint. So, we did. Ralph's response was NO, end of discussion. He said the insurers should just ignore the irrelevant details. I told the Allstate agent about Ralph's response and he was utterly gobsmacked. He said this is the most detailed 4-Point Inspection Report he has ever seen -- which, he added, is not something he recommends -- and he sells insurance policies every day for a living. You would think that spending $890 on a home inspection would get you a little friendliness and cooperativeness in return. While we certainly appreciate Ralph's thoroughness on the pre-closing homeowners' report, we don't know why he felt it was necessary to repeat that same level of detail on a 4-Point Inspection report. Had he told me from the beginning that his 4-Point Inspection reports was going to be a miniature version of the pre-closing homeowners' report, and consequently that could make it hard to get homeowners' insurance, I would have looked elsewhere. Consequently, my husband and I are being forced to hire ANOTHER inspector at a cost of $245 to do another 4-Point Inspection report that just looks at the main systems and doesn't include a laundry list in the notes section. All of this could be avoided if Ralph would just remove the irrelevant details from his report, but he will not. This is the first even remotely negative review I have ever left for someone, but in this case I feel it is warranted. I would warn anyone looking for a home inspector to inspect an older home where there are inevitably going to be little fixable things here and there, to think twice.