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Home Inspection questions, answered by experts

It depends on the bank and the extent of the issue. Some banks will lend against homes with minor foundation damage, but most won’t if the issue is structural since the home acts as collateral for the mortgage. Banks that offer renovation loans might still finance a home with structural problems. More minor issues like settling cracks and intermittent problems with humidity are unlikely to stop a bank from financing.

You might consider demolishing a house if it has a faulty foundation, widespread mold or pest damage, or other significant issues. Older homes with outdated wiring systems or dangerous materials could also be good candidates for demolition. Or, if you’re planning to remodel the entire home, you might find that it’s more cost-effective to tear it all down and start from scratch.

Most chimney crowns cannot be seen from the street or yard. As a result, most homeowners are completely unaware that their damaged or deteriorating chimney crowns need repairs or replacements. Chimney inspections offered by contractors can verify any damage.

There are a few things that can set off your carbon monoxide detector that aren’t an emergency. Low batteries or a malfunctioning system are usually the biggest culprits, but dust and dirt can build up on the sensor and cause issues, too. If you have a single unit that serves as both a carbon monoxide and smoke detector, extreme humidity (like the kind coming from a shower) can accidentally set it off. 

Part of a pre-drywall inspector’s job is ensuring all work done on the home is up to code. If they discover anything that doesn’t comply, these fixes may be required by the local government or by the lender financing the build. Aside from these mandatory post-inspection home repairs, it’s technically optional to make any other repairs—though it’s a good idea to remain proactive about them to avoid a bigger issue in the future.

The Mcgehee, AR homeowners’ guide to home inspections

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