insurance fraud

What Is Insurance Fraud: Don’t Be Fooled

Insurance fraud is the act of using false information to received undeserved compensation by your insurance company. Insurance fraud can be committed in many ways. Unfortunately, as a home inspector, we run into homeowners that don’t understand the seriousness of this offense. Here are the three most common requests we deny that would result in home insurance fraud.

Using old reports

Some homebuyers will ask us to use old reports as part of our documentation for a home inspection. However, using outdated reports is considered falsifying a home inspection report. Our job is to show up at the home and inspect the home in its current condition. We cannot use an old report, even if it is only a few years old.

In Florida, codes are constantly updated. What was once allowed three years ago may not be allowed today. Homebuyers may think their home is up to code only to find out the new code now disqualifies them. This can be really upsetting news, and we understand that. But, we still have to do our job. We still have to let you know when something in your home needs to be fixed. We will never use an old report just to pass your inspection.

Overstating the value of the home

When you buy a home you hope that you will get some equity out of the home. We understand that. Even so, overstating the value of a home is a type of home insurance fraud. When we inspect your home we want to give an accurate estimate of the value of your home in the condition it is in. We will even detail what you can renovate or fix and estimate how much the value will increase.

Our goal is to help you be as informed about your home as possible. Whether you are using us for a pre-listing home inspection or a home inspection before you complete the purchase. We want to make sure you are completely educated about your home, as well as any issues or concerns.

Missing information on the inspection report

Sometimes a homeowner will request we leave something off the report because they intend on fixing it right away. This is especially common when a homeowner is conducting a pre-listing inspection or an inspection to receive a discount on their home insurance.

Be that as it may, asking us to leave information out of a report is a type of home insurance fraud. And simply put, we won’t do it. Even if you have clear intentions of fixing an issue in your home – do yourself a favor and fix it before the inspection. We cannot report that something has been addressed unless we see that is has with our own eyes. We cannot write a report built on “promises”.

Divinity Inspection Services takes insurance fraud very seriously. We are always on the homeowners side and we always want to be helpful. That being said, we will not help you commit insurance fraud and we would hope that you wouldn’t ask us to. If you are looking for an honest and truthful home inspector who will give you as much detail about your home as possible, then that’s us! Schedule your home inspection here today.

hurricane prep

Tampa Hurricane Prep: We Did Good

Some might say we got lucky, some say it doesn’t make sense. According to one meteorologist, it was the and of God why Tampa got off so easy. We were expecting a direct hit from an intense hurricane and yet, what we experienced was mild. To say the least. We did good Tampa. And just in case, here’s what you need to know for the next hurricane prep.

The earlier you prep, the better

We ran out of a lot of things. We ran out of sand for the sandbags, gas for the cars, water in the stores, and plywood for boarding up our home. The people who decided to go ahead and get what they needed early are the ones who suffered the least. Lesson learned, the sooner you get what you need, the better.

Prepping for no power or water is difficult

I can honestly say the most difficult effect of the storm was losing power and water. Some were without power and water for almost a week. Others didn’t even lose power or water. Now that you’ve had the experience you can prepare even better. For those that didn’t, here’s what you need to know: everything takes longer to do and it will get hot pretty fast. I suspect more people will be investing in generators.

Hold on to your plywood

While we’ve dodged a bullet, hurricane season isn’t over quite yet. We’ve still endured the effects of flooding in various areas around Tampa Bay and we have seen what others have endured as a result of the hurricane. Before you quickly rid your home of your hurricane supplies, wait for the end of the season. You can also hold on to your supplies for a rainy day.

Divinity Inspection Services will inspect your home rain or shine. While we don’t recommend scheduling a home inspection during a hurricane, sometimes learning about a home best is during a storm. Schedule your home inspection online or give us a call to answer any of your questions!

The Home Inspection Process: A Buyer’s Guide

The home inspection process if fairly simple. Yet many new home buyers feel very intimidated by the process. Here is an essential guide that explains a home inspection.

Research your inspector before you choose to use them

You want to choose a home inspector that you feel comfortable using and that you feel you can trust. The first thing you need to do research them. Look at online reviews, customer testimonials, and their website. You can also ask for references or ask for a recommended inspector from a trusted source.

Attend the inspection

We highly recommend you attend the inspection. Even if this means you need to get permission from the homeowner or the real estate agent. And if any homeowner does not want you to attend your home inspection, that’s a huge red flag. You want to be there to ask any questions, give the inspector and opportunity to educate you on your home, and become familiar with any uncovered issues.

Read the report

Even if you attend the inspection, unless you are taking thorough notes, you won’t remember everything. Read the detailed report. The report will be a good reference and may further detail issues you discussed in short at the inspection.

Your inspector cannot quote the cost of repair, but they can give you a good idea

Your home inspector should not be expected to tell you exactly how much a repair will cost. Who you use for the repair is the only person that can quote you. But a home inspector can give you a ball park figure of what to expect a repair will cost, especially a major one.

These essentials should make you feel more comfortable about your home inspection. You can give Divinity Inspection Services a call to schedule your home inspection. You can also schedule your inspection directly on our website. We’ll do everything we can to make your inspection as comfortable and simple as possible.