4 Point Insp Contract

[Jonathan Wilhelm]

Does anybody know where to download a good 4 point contract?

Thanks,
Jonathan Wilhelm
HomeScout Inspections

[Greg Bell]

What the hell do you need a four point contract for?

[Jonathan Wilhelm]

Uhh,
I'm guessing I don't? Unlike a regular home insp, do you not have any contract between you and client other than an invoice?

Thanks,
JW

[Kenneth Dolin]

use the pre inspection agreement. an inspection is an inspection whether its 4 points or 40 points.

[Ed Bancroft]

This inspection is being performed for your insurance company on your behalf.
A Four Point Insurance Inspection is far less in scope than a standard home inspection and is not intended for any use other than assisting in the underwriting process.
This Four Point Insurance Inspection is a limited, visual survey of the heat/air conditioning,
roof, electrical, and plumbing systems.

I use this at the bottom of page 1 of the nachi 4 point template.
No need for signatures or anything else.

[wsiegel]

He's a new inspector, probably just got his license by paying his $289 association fee and passing the 'proctored test'.

[Aubrey J. Kahn]

I do the same as Ed

[Steve Taylor]

So what if he is a new inspector? We ALL were a new inspector at some time. If he is a new inspector, all the more reason for him to have a PIA for 4 points that limits his liability exposure with his client.

[Humberto Carvajal]

I agree with you on this one Steve. Personally, I don't have a pre inspection contract for my 4-points but, don't discourage anyone from doing so if it makes them feel better about it. It's never a bad idea to limit your liability thats for sure.

Bert

[Joseph Burkeson, CMI]

On Four-Point & Wind Mitigation Inspections, who really is the client and to whom do home inspectors have a fiduciary responsibility to?

[Steve Taylor]

That is a good question Joe- and the answer is likely a grey area- unless of course an attorney is involved. I have always considered my client and fiduciary responsibility to be with the person who pays the bill for services. I have always used a pia for 4 pts and wind mits explaining that I am NOT employed by any insurance company and as such, cannot guarantee insurance coverage or discounts for anything.

[Humberto Carvajal]

I also consider the client to be the person paying. In this case the homeowner who needs to insure his or her property. That is the person that has hired me to perform the 4-point for their home. At least that's how I see it. In all my cases where a 4-point has been ordered, it has been paid for by the homeowner. Similar to the wind mitigation inspections, it's the homeowner who needs or wants the discounts on their premiums. They pay for it and they receive or not receive the discounts.

Bert

[dquigley]

Originally Posted by wsiegel

He's a new inspector, probably just got his license by paying his $289 association fee and passing the 'proctored test'.

Every Home Inspector had his first day at some point. Appears to me that he is going about it the right way by asking for advice on the message board. The harm is done by those jumping into the industry without the desire or effort to go about it properly. -- IMHO

[dquigley]

Originally Posted by jburkeson1

On Four-Point & Wind Mitigation Inspections, who really is the client and to whom do home inspectors have a fiduciary responsibility to?

The person that pays you is always the client - That is who you provide fiduciary duties to. A HI also has responsibilities to complete the inspection and corresponding form under the guidelines/procedures/laws set forth, whatever the case may be. I can only see a client being afforded the right to sue for damages due to error in an inspection. ---- ie --- Could OIR - Citizens
sue an inspector for improperly filling out an 1802 form - possibly - but more probable that they would only be able to attack the credibility of the License that gave the Inspector the right to complete the form in the first place.

[Joseph Burkeson, CMI]

Originally Posted by dquigley

The person that pays you is always the client - That is who you provide fiduciary duties to. A HI also has responsibilities to complete the inspection and corresponding form under the guidelines/procedures/laws set forth, whatever the case may be. I can only see a client being afforded the right to sue for damages due to error in an inspection. ---- ie --- Could OIR - Citizens
sue an inspector for improperly filling out an 1802 form - possibly - but more probable that they would only be able to attack the credibility of the License that gave the Inspector the right to complete the form in the first place.

Sounds a bit fishy.