Home Inspections: Should You Order One?

A thorough inspection is one of the most critical steps in your due diligence process when buying a home in Ontario. But what exactly is a home inspection, and why is it so important?

What Is a Home Inspection?

A home inspection is a professional evaluation of a property's condition designed to identify defects and potential issues before you commit to buying. Keep in mind:

· It's a due diligence tool to uncover problems, not a certification that a home meets building codes

· Inspectors are generalists, not specialists – they may recommend experts for specific systems like generators or solar panels

What a Home Inspection Is NOT

· Not a code compliance check: Inspectors don't verify compliance with local building codes

· Not a guarantee: An inspection won't catch every issue and isn't a warranty for future problems

Who Should Pay?

It is recommended that buyers pay for the inspection. By doing so, you establish a direct legal relationship with the inspector, which can offer recourse should issues later emerge that were overlooked during the inspection. Moreover, as with most professionals, inspectors carry liability insurance, providing an additional layer of protection for your investment.

What's Covered?

A thorough inspection typically includes:

· Exterior & Structure: Roof, walls, foundation, basement, crawlspace

· Systems: Heating, cooling, plumbing, electrical

· Interior Components: Fireplace, attic, insulation, ventilation, doors, windows

Should you have particular concerns, be sure to clarify whether they are addressed during the standard inspection or if you should enlist a specialist.

Who Should Attend?

Keep it simple: just the buyer and their real estate representative. Having too many people (like parents or friends) can complicate the process and require the seller’s writing approval.

Professional vs. Amateur Inspections

While it might be tempting to have a handy friend look at the property, always rely on certified professionals. Friends or family may provide biased or incomplete assessments.

Understanding Your Inspection Report

Your inspection report will typically arrive within 24 hours and include:

· Detailed photos documenting any issues

· Specific recommendations (which aren't mandatory fixes)

· Comprehensive details (often 100+ pages)

Attending the inspection in person can help you put the report into context. For older homes, you might encounter more recommendations; however, this doesn’t mean every suggestion requires immediate action. Typically, the report will also note any limitations—such as those caused by weather conditions. It will also include recommendations and identified defects. Carefully review all the defects.

Next Steps After Inspection

Once you've reviewed the report:

1. Evaluate whether you're comfortable with the findings.

2. Consider negotiating repairs or price reductions if necessary

3. Decide whether to proceed with the purchase

New Construction Needs Inspection Too

Even brand-new homes can benefit from inspection. Construction issues can arise in new builds, and a professional inspection provides peace of mind.

Remember: Not a Lifetime Guarantee

A home inspection is a snapshot of the property's current condition, not a lifetime guarantee against all problems. Regular maintenance is still essential for keeping your Ontario home in good condition.