Stay tuned in Ontario

[Claude Lawrenson]

Are you a “licensed” home inspector in Barrie Ontario? A business license is now required along with a background check.

http://www.city.barrie.on.ca/CDocs/2006/CLK074-061016.pdf
Home Inspectors read items 26, 47 and definitions

http://www.city.barrie.on.ca/CDocs/2006/BILL261-061030.pdf
Definitions

This is likely a step that other municipalities will follow. Stay tuned!

[Dale Duffy]

Each inspector will be required to provide proof of liability insurance in the minimum
amount of $2,000,000 as a security assurance for the public.

Holy mackeral.....

[Mario A. Kyriacou, CHI]

Originally Posted by dduffy

Holy mackeral.....

Dale

The cost of liability insurance is usually $1K or less.

</IMG>

[Dale Duffy]

Originally Posted by mkyriacou

Dale

The cost of liability insurance is usually $1K or less.

</IMG>

Mario,

Do they consider liability insurance there like the U.S; if you drop a ladder through a car windshield in the driveway your covered?

Seems crazy to have that much liability insurance, or do they consider Errors and Omissions Insurance liability in Canada?

[rcooke]

Originally Posted by mkyriacou

Dale

The cost of liability insurance is usually $1K or less.

</IMG>

I have not heard of a home inspector getting Liability Insurance in Ontario with our e&o I would be very interested to find out where it can be bought .
Roy Cooke

[Mario A. Kyriacou, CHI]

Originally Posted by dduffy

Mario,

Do they consider liability insurance there like the U.S; if you drop a ladder through a car windshield in the driveway your covered?

Seems crazy to have that much liability insurance, or do they consider Errors and Omissions Insurance liability in Canada?

Dale

I know it sounds excessive,but consider that same ladder killing or injuring someone!

[Mario A. Kyriacou, CHI]

Originally Posted by rcooke

I have not heard of a home inspector getting Liability Insurance in Ontario with our e&o I would be very interested to find out where it can be bought .
Roy Cooke

Roy

I have never heard of a HI having it either,as a contractor I have it.

Call your Broker if you need it.

[rcooke]

Originally Posted by mkyriacou

Roy

I have never heard of a HI having it either,as a contractor I have it.

Call your Broker if you need it.

Does your insurance cover you for home Inspections Have you let your company know that you do home inspections .
I had inquired a long time ago and have been told others have tried to get it recently and we all have had no luck with our E&O.
Roy

[Mario A. Kyriacou, CHI]

Originally Posted by rcooke

Does your insurance cover you for home Inspections Have you let your company know that you do home inspections .
I had inquired a long time ago and have been told others have tried to get it recently and we all have had no luck with our E&O.
Roy

Roy

I don't carry E&O insurance

[dsmith1]

I carry a separate policy for liability. I am not so much worried about the ladder falling on a car but on someone's head. The policy also covers other things like a rider for your equipment in your car, office, fraud etc. The policy is $500 for 2 million.

You can get this insurance through Pierre M. Thiboudeau
http://pages.infinit.net/assur/

[Claude Lawrenson]

Perhaps the liability insurance is required to satisfy the potential of liability for permitting an inspector into a home and causing other professional misconduct. This also may feed into more recent concerns respecting thiefs under guise as a home inspector in a home or allowing criminals to possibly be entering into a private residence within said municipality.

There have been ongoing discussions in many jurisduction and also with realtors about criminal background checks on home inspectors. After all - background checks are requirements in OREA to assure the assocaitions due diligence of its members. I view it as the cities indication of claiming their own due diligence.

[rwand1]

I was under the impression Pierre will only sell policies to Oahi-Cahpi members?

[rwand1]

26. During the public meeting, staff were requested to bring forward licensing criteria relating to Home Inspectors. Individuals carrying on the business of Home Inspectors are currently required to obtain a “Basic” City of Barrie Business Licence. The Canadian Association of Home and Property Inspectors (CAHPI) is a professional Association representing home inspectors across Canada. There are 7 chapters including one in Ontario. As a professional association, CAHPI
has in place a certification process for home inspectors, but does not require the individual certifying to be a member of their organization. Certification is a voluntary process and a representative of CAHPI has confirmed that Home Inspectors are not required by law to be
certified by their organization or any other, meet any minimum standards, or be a member of this or any other similar professional Association before providing services as a home or property
inspector to any member of the public. CAHPI does set out profession standards and a code of ethics for their membership.

Thats strange I thought OAHI was the quasi authority in Ontario? Why is someone representing themselves as spokesperson in Ontario for CAHPI?

[rcooke]

Originally Posted by rwand1

I was under the impression Pierre will only sell policies to Oahi-Cahpi members?

I had heard the same thing and I just went to his web site it also only had Home inspectors for CAHPI in Ontario.
Some where some one is mistaken . I talked to a NACHI member from PQ and he told me that independants and NACHI members in PQ could not get insurance only inspectors who belong to the PQ Homeinspectors association could get insurance it Quebec.
Roy Cooke

[rwand1]

When I tried to renew my insurance, they would not sell a policy for E&O without CGL, and vice versa.