Monthly Archives: November 2021

electrical home inspection pro spect

electrical home inspection pro spect home inspection

 

Purchasing a home is a huge investment, and if that home has any kind of electrical issues can cost you a bucket of money, but even scarier than that it could cost the lives of your family.

You need to be sure that the electrical system is robust enough to run your home’s appliances, HVAC, lighting, etc. efficiently and safely.

The inspector will conduct an electrical home inspection that will not only check to be sure the wiring is intact and safe; but also for any damage that may be a result of critters chewing through lines.

Electrical Systems Home Inspection

  • The wiring is in good condition
  • Service panel has the normal capacity with cables attached correctly
  • Cables are secured and protected
  • No exposed electrical splices

An electrical home inspection checklist helps you work through the possibilities with a lower risk of overlooking something important. Here are six essential elements to include in your home inspection checklist.

  • #1: Electrical Service Panel or Load Center

The service panel, also called the load center, is the heart of electricity in a home. Either mounted on a wall inside or outside the dwelling, it contains breakers—fuses if it’s older—and wires that create circuits in the house.

What to look for:

  • Loose breakers
  • Visible damage
  • Charring or burn marks
  • Pennies behind fuses (extremely dangerous, as the copper prevents fuses from blowing if they’re overloaded)
  • Breakers that feel warm
  • No main disconnect switch
  • #2: Federal Pacific Brand Service Panel.

If the load center is Federal Pacific brand, it needs closer inspection. Not all Federal Pacific breaker panels are defective, but defective ones are notorious fire starters. Look for FP Stab-Lok breakers. If present, the load center is an immediate fire hazard.

  • #3: Aluminum Wiring.

Many homes with aluminum wiring remain safe for years. But aluminum has (at least) two problems.

Where it exists, the wiring is probably at least 40 years old and needs an update. And aluminum is softer than copper and doesn’t conduct electricity as well. and as time passes, aluminum can expand and contract to loosen connections, causing a fire hazard.

Aluminum isn’t inherently dangerous, although it has issues.  Some insurance companies won’t insure a house that isn’t wired in copper.

  • #4: Push-in Connections at Receptacles.

It’s generally accepted that push-in connections were developed for the DIY electrician. Most professional electricians wire in receptacles using the binding head screw on the side rather than a push-in connection on the back. Although they’re generally safe, Inspectapedia says push-in connections have less contact with the wire and can damage copper and aluminum.

  • #5: Overlamping Light Fixtures.

While it’s not a wiring problem, it is a fire hazard.

Overlamping happens when a homeowner uses a higher wattage light bulb (lamp) than what is recommended for the fixture.

With a higher-wattage bulb, the fixture can heat up, melt, and start a fire.

  • #6: GFCI Protection in Kitchens and Other Wet Areas.

Every kitchen, bathroom, and laundry room needs outlets with ground fault circuit interrupter or GFCI protection. GFCI outlets have a test button and some are labeled. But standard outlets might also have protection if the circuit is powered by a GFCI outlet in the breaker panel.

Electricity touches every room in nearly every house. Even closets have wiring. Many attics and basements do, as well. With so many possibilities for defects and the fire hazards that accompany them, the electrical inspection is arguably one of the most important for any home. But once you develop a Sample Home Inspection Report checklist, fewer defects will have a chance to slip past you.

fha 203k loan consultant

fha 203k loan consultant

fha 203k loan consultant

What is an FHA appraisal?

The FHA appraisal process is unique in that the appraiser basically performs double-duty as both an appraiser and an inspector. If you’re using an FHA loan to buy a home, the property must go through an FHA appraisal.

This is not an inspection, but the appraiser will check that the house meets certain safety standards in addition to determining the property value.

When you use a Conventional loan to buy a house, your appraiser is mainly concerned about the current market value of the property.

But when you use a federally-insured FHA loan, the appraiser has two objectives: Determine the house’s value, and inspect it to make sure it meets minimum standards for health and safety set by the Department of Housing and Urban Development (HUD).

The real difference between the two is the level of inspection that HUD requires in order to fund the loan.

If the FHA appraiser flags certain issues—peeling paint, loose handrails, or other safety issues—the loan is put on “hold” until they’re fixed. That’s not the case with a regular appraisal used for a Conventional home loan.

The Streamline 203k can help the house you want to pass the HUD inspection required for FHA loans.

The following list is a general idea of HUD requirements a home inspection may uncover.

While each item may seem fairly small, adding them up will tally up quite a bill.

Paying for them by financing the purchase with an FHA 203k Streamline will help spread the cost of it all over the life of the mortgage loan.

FHA Home Inspection Checklist

During an FHA home inspection, the appraiser will inspect and note major safety concerns. Here is a checklist of common items an FHA appraiser looks for:

General Health and Safety

  • Foundation or structural defects
  • Whether the utilities (water, sewage, heat, and electricity) all work
  • Chipped or peeling paint in homes built before 1978
  • Incomplete renovations
  • Water damage
  • If the property is accessible to vehicles, especially emergency vehicles
  • Exposed wiring and uncovered junction boxes
  • Whether the house is too close to outside hazards, such as a leaking oil tank or a waste dump
  • Excessive noise, such as being close to an airport
  • Missing handrails

Exterior

  • Leaky or defective roof and holes in the siding
  • Leaning or broken fencing
  • Doors that don’t properly open or close
  • Condition of gutters, chimney, stairs, railings, and porches
  • If swimming pools are up to code

Every Room

  • Whether each room has electricity
  • Whether each room has a window or door to the exterior to be used as a fire escape

Kitchen

  • Missing or broken appliances usually sold with a home, including stove and refrigerator
  • Broken or leaking sink

Bathrooms

  • Broken or leaking toilet, sink, or tub/shower
  • No ventilation (either an exhaust fan or window)

Crawl space or basement

  • Basement moisture
  • Evidence of past or present standing water

Heating and Plumbing

  • Inoperable HVAC
  • Major plumbing issues and leaks

These are some of the common items an FHA appraiser looks for, but other issues that might make a house unsafe could keep it from passing

 

With the FHA 203k, you have 2 choices. You can utilize the Full 203k or the 203k Streamline.

Full 203k covers projects which total more than $35,000 or structural repairs.

It also requires a HUD consultant.

The Streamline 203k doesn’t require a consultant (although working with an experienced professional is generally a good move) and it does not cover structural repairs.

floor and ceiling inspection pro spect home inspection

floor and ceiling inspection pro spect home inspection

 

Our Home Sellers Inspections provide the perfect  floor and ceiling visual inspection reports to help sellers better understand the health of their house and how it affects the market value

The inspector should review that:

Grounds And Exterior Structure

  • Foundation appears in good condition with no significant cracks
  • No evidence of leaks from the septic tank
  • Drainage away from the house with no standing water
  • Exterior walls appear straight with no sagging
  • Windows and door frames appear square
  • Siding appears in good condition with no cracks or damage
  • Bricks appear undamaged with no cracks in joints
  • Paint is not flaking or stained
  • Roof shingles are not missing or damaged
  • Gutters show no decay and drain properly
  • Chimneys appear straight and undamaged
  • The detached garage shed, fence and deck appear in good condition with no rotted wood or evidence of termites

Basement

  • No evidence of moisture
  • No evidence of water damage to the above floor
  • The sump pump operates properly

Attic

    • No evidence of staining from the roof
    • The structure shows no damage or decay
    • Adequate ventilation through soffit vents and end louvers
    • Insulation is sufficient and installed properly
    • Electrical splices are contained

Interior Rooms

    • Floors, walls, and ceilings appear straight and level without visible stains, cracking, or damage
    • Doors open easily and latch properly when closed
    • Lights and switches operate properly
    • Adequate number of electrical outlets in each room
    • Heating and air conditioning vents in all rooms
    • The fireplace has no cracking and shows no staining
    • The fireplace flue has been cleaned and is lined
    • Smoke detectors and carbon monoxide detectors are working and located properly
    • Stairway treads and risers are solid

 

Printable Building Inspection Report

home sellers inspection pro spect home inspection

home sellers inspection pro spect home inspection

Our Home Sellers Inspections provide the perfect visual inspection reports to help sellers better understand the health of their house and how it affects the market value

This home inspection report sample can be used as a reference if you need to write the details of the inspection done on a particular house.

You will surely find everything that you need to know about a home inspection if you check out this sample. It’s lengthy, but it sure is worthy.