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Home Inspection questions, answered by experts

Insurance companies weigh the amount of potential liabilities on your property to increase (or decrease) the cost of your home insurance. They will use several factors to decide if there are more chances for peril or injury to take place at your home. These factors include your location (whether you live in an area with high risk for natural disasters), the age and condition of your home, and whether you have any “attractive nuisances”—features that both increase the aesthetic of your home and potential for injury—like a pool or treehouse. 

The foundation, roof, and the home’s major systems (electrical, plumbing, HVAC) will take the longest to inspect since problems with any of these areas can point to safety or structural issues. An attic inspection or basement inspection may also take extra time to complete so the inspector can look for signs of moisture damage, mold, or pest problems, all of which are common in these spaces.

Asbestos is commonly found in certain older homes, depending on the time period in which they were built. Asbestos use in home construction began in the 1920s and peaked after World War II before being limited by legislation in the ’70s, so a house constructed in 1880 is unlikely to contain asbestos, while one built in 1950 is much more likely to. Research a home’s history to determine the time period when it was built and any renovations made since.

Services include ash removal, chimney cleaning, gasket checks, and inspection of cracks or damage.

Failing to open your flue can lead to serious health hazards if you start a fire because the smoke will back up into your home. Breathing fire smoke, even in relatively small quantities, is bad for human lungs, and smoke can also irritate your nasal passages and eyes. Furthermore, smoke can cause damage to your interior fixtures and furnishings, at the very least leaving an unpleasant smoky smell for a long time. In short: If your flue isn’t open (or you’re not sure if it is or not), don’t start a fire to find out!

The Bigelow, ar homeowners’ guide to home inspections

From average costs to expert advice, get all the answers you need to get your job done.