Inspectors Insurance

Local Inspection Issues Canadian Home Inspectors
1

Not Canada only in USA …Too Bad .$1,250:00 for coverage .

      [http://www.pr.com/press-release/622270](http://www.pr.com/press-release/622270)
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                       **New     Environmental & Other Coverages for Home Inspectors**
  
 *The     OREP package includes comprehensive E&O, full general liability,     pest/WDO, lead paint, pool & spa, EIFS/Stucco, commercial, indoor air     quality testing, green building inspections, infrared thermography, rodent     inspections and more.*
  
 San     Diego, CA, June 03, 2015 --([PR.com](http://www.pr.com/))-- One     of the largest, nationwide providers of professional liability (E&O)     insurance for home inspectors announces the addition of new, important     environmental and other coverages to its flagship home inspector’s E&O     program. Many of the new coverages are included in OREP’s base policy with     no additional premium. The carrier is “A” Rated, Admitted and has been     doing business since 1852. The program is available in most states. (Visit [http://orep.org/home-inspectors-eo-insurance/](http://orep.org/home-inspectors-eo-insurance/)     for details and coverage.)

The addition of these new coverages to OREP’s E&O home inspector     program makes it easy and affordable for every home inspector to be     protected with comprehensive coverage, according to David Brauner, Senior     Broker for [http://orep.org/](http://orep.org/).

Brauner says the OREP package includes comprehensive E&O, full general     liability, pest/WDO, lead paint, pool & spa, EIFS/Stucco, commercial,     indoor air quality testing, green building inspections, infrared     thermography, rodent inspections and more; mold and septic inspection     coverage can be added for a small additional cost. (Certain coverages vary     by state. Please ask your OREP agent.)

Brauner, who has helped inspectors place insurance coverage for over 20     years said, “OREP was exhibiting at a conference last year when several     inspectors visiting our booth said they love the program but needed certain     coverages that were not included. It took a year but these coverages and     many others have been added, making it one of the broadest packages of     coverage available for home inspectors. And better still, most new     coverages are included free in the base policy, at the already competitive     minimum premium ($1,250). This is why cost should no longer be a factor     that keeps any home inspector from enjoying complete coverage.”

No Time Wasted on Quoting
OREP is the only program that allows most inspectors to get back to work     fast with no quoting required. Most home inspectors can secure coverage     without having to waste time on the back and forth of quoting, Brauner     said. “The self-rating application, that is unique to OREP.org, works for     most inspectors and companies. It gets inspectors back to work fast. And     next year most policies will renew automatically at the same premium with     no application needed at all,” Brauner said.

“If inspectors take as much care examining their E&O insurance coverage     once a year, as they do on every inspection most every day of the year, the     advantages of OREP’s program will be obvious,” Brauner said. “Give us a     call or visit OREP.org to get the details. We answer the phone!” (Visit [http://orep.org/home-inspectors-eo-insurance/](http://orep.org/home-inspectors-eo-insurance/)     for details and coverage.)
                 
      **Contact   Information**
         OREP:   Organization of Real Estate Professionals

Maria McCarthy
(888) 347-5273
Contact
orep.org/
Address: 6760 University Ave. Suite #250
San Diego, CA 92115
Fax: (619) 704-0567 or (619) 269-3884

2

Nice post Roy.

It’s a shame inspectors here in Canada are ham strung by the limitations the regulations put on the finance sector. We would be able to take advantage of these rates by shopping south of the border.

We have repeatedly tried to approach different underwriters here in Ontario specifically to get the rates down, but they all seem to close ranks, blame rising claims (no proof), rising costs (no proof) for all offering what is essentially a similar premium across the board when compared like-for-like.

Maybe putting a few calls into the Insurance Board of Canada (1-844-227-5422) or perhaps contacting the Competition Bureau (1-800-348-5358 ) and asking them to investigate the insurance businesses here in Canada under section 45 or section 47 of the Competition Act, citing the experiences we are having with obtaining E&O insurance, and the appearance of price fixing??

3

Need a recommendation for GL Insurance in Maryland. State requires minimum $150,000 in coverage.

4

Don’t think that would do any good Len.

Just look at the auto insurance industry. This provincial government allows the companies to reduce benefits but still allows increases in prices.

I seem to recall the NDP demanding a 15% reduction in premiums so they would support Wynn’s first budget. What happened to that?
Just sayin

Cheers

5

**WE as home inspectors need a protection plan like Tarion has **
________________________________________________________________________

http://www.tarion.com/Warranty-Protection/Pages/One,-Two-and-Seven-Year-Warranties.aspx

      **[FONT=Georgia]One, Two and   Seven Year Warranties [/FONT]**

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    Page Content

In addition to deposit protection and delayed closing compensation, **homeowners may be entitled to the following:

[FONT=Arial]One Year Warranty **[/FONT]
• Requires a home is constructed in a workman-like manner and free from defects in material;
• Protects against unauthorized substitutions](http://www.tarion.com/Warranty-Protection/Pages/Unauthorized-Substitutions.aspx)
• Requires the home to be fit for habitation;
• Protects against Ontario Building Code violations; and
**• Applies for one year, beginning on the home’s date of possession even if the home is sold.

[FONT=Arial]Two Year Warranty**

• Protects against water penetration through the basement or foundation walls;[/FONT]
• Protects against defects in materials that affect windows, doors and caulking and defects in work that results in water penetration
into the building envelope;
• Covers defects in work or materials in the electrical, plumbing and heating delivery and distribution systems;
• Covers defects in work or materials that result in the detachment, displacement or deterioration of exterior cladding (such as
brickwork, aluminum or vinyl siding);
• Protects against violations of the Ontario Building Code that affect health and safety; and
•** Applies for two years, beginning on the home’s date of possession.**

6

332

A very interesting read on Tarion

http://www.canadiansforproperlybuilthomes.com/html/whatsnew/2015/june/June1_2015Toronto.pdf

Ontario New Home Warranties Plan Act

2 Tarion is the only DAA in Ontario allowed to approve its own regulations.

7

Got an e-mail from these insurance folks.
Not available in Canada so why are the spamming us?

Cheers

8

We are trying. Hoping for good news soon

9

Leni,

As mentioned, we can have a Canada-wide InterNACHI policy: LET’S TALK!
G

10

Roy, Can you get OntariOachi to actually talk to me? It WILL be worth the effort!
G

11

Gilles .
If you do not get a reply shortly please call me

12

Gilles insurance scheme is the best out there.
I applaud the work he has done on behalf of certified Quebec InterNACHI homies!

Now Len,
Get your head out from in between you buttocks.
Give the fellow, a OntarioACHI member in good standing if I am not mistaken, sometime to expose his insurance scheme to you.

Len, If not, I will be imploring CBC and the Queen Mother, or mommy to all her close friends, to block Coronation Street from your airwaves, to block anyone with 30 miles from selling you Guinness, to remove the aroma of bangers and mash from your locality, and to have the living crew from Monty Python flying circus do the lumberjack sing 1,000,000,000 times as you are forced drink American beer.

Sorry buddy, it’s for your own good.

13

Well it is now Official .
WE can get Insurance for all NACHI members in Canada .
It looks like NACHI members can save a large amount in their insurance .
It Looks like a much improved policy then was ever sold before .
They expect to, have an Ombudsman ( Hope I used the correct word ) who will look out for you the home Inspector to make sure the claim is correct and needs to be paid .
Not like what happened to my son Story at end of this post …
Also to be available is a person you can call for advice on Home inspector Issues .
This is some thing we all wanted for many years .

We make zip on these things .
We are doing this for you the Canadian Home Inspector .
Feel free to contact me or
**Gilles R. Larin,
**www.inspectapro.net](http://www.inspectapro.net)
Certified Master Inspector](http://certifiedmasterinspector.org/)
National Home Inspector Certification #378;](http://www.nationalhomeinspector.org/)

My son inspected a home it Had a newer Gas furnace 5 years old.
There also was an abandoned oil tank with some oil still I the tank .
He wrote it up hard and said to have it removed Immediately by a qualified company .
He wrote this up in two places of his report and also told all verbally how this needed to be removed correctly.
Well some months later the new owner and a few of his friends decided to take the tank up the stairs with out removing the oil .
They dropped the tank and of came the spigot oil every where .
The new owner sued the listing agent the selling agent the previous home owner and my Son .
My son said to the insurance company not to settle as he did every thing correctly.
Well the Insurance said how they had got Roy off the hook for $5,000:00 .
Well Roy had a $5,000:00 deductible so he paid $5,000:00 and then the insurance company raised his rates next year because he had a claim .