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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 However, using outdated reports is considered falsifying a home inspection report.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.

avoid a disastrous home

How To Avoid A Disastrous Home

No home is perfect. Even new builds have their issues. However, there are also disastrous homes you want to stay away from. Here are a few things you need to know to avoid a disastrous home.

Get a home inspection

The best thing you can do for your home is get a home inspection. In fact, the worse thing you can do as a home buyer is not inspect the home before you complete the purchase. Too often things are missed when you don’t know what to look for. A seasoned home inspector follows a very extensive list and can educate you on your new home.

Ask a lot of questions

You have two opportunities to ask a lot of questions and you want to take advantage of both. Before the home inspection and during. You should always attend the home inspection so you can address any questions you have directly with the home inspector. You also want to give the inspector an opportunity to discuss their findings or any concerns with you.

Become familiar with a sample report

A sample report will give you a template of what to expect. Reports are very long and detailed but if you become familiar with a sample report then you can read your report more easily. Keep in mind, Divinity Inspection Services will keep your report in their database for up to a year.

Feeling confident about your home inspection also means feeling confident about your home inspector. At Divinity Inspection Service, we make sure you feel comfortable, confident, and excited about your new home!

holiday cleaning checklist

The Holiday Cleaning Checklist

If you are the one hosting a holiday party, then you might already be thinking about your holiday cleaning checklist. Keeping a home organized, much less clean, during the Christmas season can be very challenging. Especially if you have young ones running around and contributing to the mess. Some may even attempt to de-clutter their home before the end of the year to start off on the right foot. Either way, this checklist should get you moving in the right direction. This holiday cleaning checklist can help you get and stay organized, create a sparkling clean home in time for gatherings, or de-clutter your house before the year is up.

One Up and Two Down

Some holiday gifts can replace something you already own. Unfortunately, many times we forget to get rid of the item replaced. You end up with two coffee makers or five sets of pajamas. This year, when you get one item try getting rid of two. This will not only make sure you replace an item, it also helps you to de-clutter. If your child received new socks, find the old or outgrown ones and throw them out.

Not Everything has to go Up

Even an attic full of decorations doesn’t mean the house has to be full of decorations too. This year, especially if you are showing your home for sale, keep the decorations to a minimum. Keep some decorations put away and just use the minimal on both the inside and the outside.

Oosoujii

Oosoujii is a Japanese holiday dedicated to de-cluttering and cleaning the home. The last week of the year is spent focusing on the home. In Oosoujii, each year is seen as separate and distinct, the final week of the old year is devoted to cleaning, decluttering and organizing.

We hope these little tips get you moving in the right direction. There are many tasks you can add to your holiday cleaning checklist and these are only a few to get you started. We do home inspections all throughout the holiday season and you can make an appointment with us directly on our website.

Sources:

http://organizedhome.com/seasonal-spin/cut-clutter-after-christmas

Show your home during the Holiday Season

How to Show your home during the Holiday Season

If you are showing your home during the holiday season it can be a little tricky. Between holiday decorations, parties, and deterring home theft, the holidays can make it all that much harder. Have no fear, we are here to help! Follow some of these tips to show your home during the holiday season and also have peace of mind.

Keep decorations to a minimum

If you love to saturate your home in decorations during the holidays, you will want to hold off on it. A lot of decorations can be overwhelming and distracting for any person interested in viewing your home. Decorating also means leaving out some of your potentially valuable stuff for grabs. Avoid all of this by decorating very little. You can even wait until a week before Christmas to stop showing the home, decorate, and enjoy the season. You still have control and what you do should be what works best for you.

Curb Appeal vs. Curb Safety

You may never have thought about it, but decorations can also be a hazard. This wire lines, extension chords, and decorations across your walk-way can actually be a tripping hazard. The last thing you want is someone who is viewing your home to trip over things as they walk in.

Selling during the Holiday Season

Many sites claim selling your home through the holiday is great timing! But this also means you need to have excellent pictures and videos of your home. As home-buyers start their process doing online searches, you will want your home’s pictures to stand out! Don’t skimp on this area. Make sure your home is immaculate before taking any pictures.

Comfy and Cozy

Have you ever stepped into a home that just feels cozy? The house makes you want to wrap up in a blanket and sit in front of the fireplace? This is the feeling you want to evoke, especially during the winter and holiday season. Light the fireplace, light some candles, bake some cookies, and decorate a Christmas tree. Create that comfy cozy feeling people will enjoy!

We hope this little tips help as you work your way through the holiday season. Don’t forget Divinity Inspections is still working too so give us a call when you are ready to schedule your pre-listing home inspection or your pre-purchasing home inspection!

home inspection

What happens if your Home Inspector misses something?

Finally you are in the last stage of purchasing your home and you are jumping through the last hoop: a home inspection. Many home-buyers find the home inspection process very stressful. The idea of finding something wrong with your new home that could potentially hinder the buying process is not fun. Even worse, what happens if your home inspector misses something?

Start with the right home inspector

Getting through the process calmly has a lot to do with trusting your home inspector. Remember he’s on your side! Not only is Divinity home inspectors going to find and explain any issues in detail, we’re going to do everything we can to offer you advice or guidance in how to fix your home issues. Either way, make sure you choose a home inspector that has a lot of good recommendations and a good reputation.

Attend your home inspection

Attending your home inspection is really important. Not only might it calm your nerves, but attending will also allow your inspector to point out anything they come across that is concerning. If you notice an inspector hesitate at the idea of your presence during the inspection, that is a big red flag! Any inspector should be very comfortable with the home buyer or home owner present during their inspection. Remember, it’s your job to make the most our of your home inspection.

What if your home inspector misses something?

Most home inspectors are not going to miss any major issues with your home, however it could happen. Sellers are required to disclose any major issues with the home before they sell it. If they don’t, proving they did would be more costly than it’s worth. You can bring the issue up to the home inspector. As long as you used one with decent liability insurance that covers more than just the cost of the inspection, odds are decent you’ll be compensated for any damages. Again, you’ll have to prove it. For example, if the inspector said the roof was in good condition, but there was a leak months later during a big storm, you would have to prove that nothing happened in the intervening time that damaged the roof.

Divinity Inspection service not only are fully licensed, but our inspectors are trained not to miss anything. We encourage you to attend your home inspection and we take the time to walk you through everything we do. You can schedule your inspection right here on our site!