What to Expect From a Home Inspection

A professional home inspection can ensure you're aware of any issues before closing on your new home.

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A home inspection helps you make a more informed decision about the home you're considering buying.

If your home has potential issues, a home inspector can flag these, plus give you a better idea of the ongoing maintenance the property will require.

When you're buying a house, a thorough home inspection can save you thousands of dollars in unexpected repairs — or from unwittingly buying a money pit.

What is a home inspection?

A home inspection is a visual assessment of a house's physical structure and mechanical systems.

The inspector also checks that major appliances are functional, scrutinizes the heating and air conditioning system, examines the plumbing and electrical systems and may even poke around in the attic and basement.

The goal of a home inspection is to uncover issues with the home itself. Inspectors won’t tell you if you’re getting a good deal on the home or offer an opinion on the sale price.

What's included in a home inspection?

Here’s a rundown of the typical areas home inspectors view when evaluating a property:

  • Roof 

  • Attic and basement (if accessible)

  • Siding and windows

  • Foundation

  • Garage and driveway

  • Property grounds

  • Interior (floors, walls, ceilings, windows and doors)

  • Plumbing and electrical

  • Heating and cooling systems

  • Insulation

  • Major appliances

What's not included in a home inspection?

A standard home inspection typically doesn’t include specialized testing for:

  • Radon

  • Wood-destroying organisms (WDO), such as termites, carpenter ants and rodents

  • Mold

  • Asbestos

  • Lead paint

For these areas, you’ll usually need to order separate inspections or add-on services from your inspector or a licensed specialist.

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When does the home inspection happen?

The home inspection typically happens after the seller has accepted your offer but before buying the house. In the case of a competitive market, a buyer seeking an edge may pursue a pre-offer inspection to demonstrate seriousness and improve the odds of standing out to the seller.

To provide enough time for additional inspections or for negotiations with the seller, you'll want to schedule a home inspection as soon as possible once you're under contract.

Did you know...

You should allow at least seven to 10 days in the home buying process to take care of the inspection.

Hiring a home inspector

As the buyer, it's on you to hire the home inspector. Even if the seller offers to share their home inspection report or claims the house is pre-inspected, you'll want to arrange your own inspection so you can vet the inspector yourself. Home inspectors aren’t federally regulated, and they’re not even licensed in all states.

How to find home inspectors

Seek recommendations from friends and colleagues, and search the databases of professional associations, such as the American Society of Home Inspectors and the International Association of Certified Home Inspectors. Such organizations usually require members to pass an exam, honor a code of ethics and complete continuing education.

How to choose the best home inspector

It’s a best practice to interview potential home inspectors about their experience, training and areas of expertise. For example, if you're considering a fixer-upper or looking at an older house, you’ll want an inspector who has knowledge about historic homes.

Ask for references from prior clients, especially homeowners who have been in their homes for at least six months. This will help you determine whether any issues popped up that were unreported in their inspections.

🤓Nerdy Tip

Ask potential candidates for samples of prior inspection reports and note whether they’re simply completed checklists or extensive reviews. That way you’ll know whether you’re paying for a quick report or detailed information.

How much does a home inspection cost?

Home inspections cost about $400 on average, according to the National Association of Realtors, but they can easily exceed that depending on the size of your property and location.

Unlike many other closing costs, you generally pay the home inspector at the time of the service or soon after.

Think of it this way: If the home inspector has to wait until closing to get paid, they'd have an incentive to make sure the closing goes smoothly. However, an unscrupulous one might underreport problems that could get in the way of the sale.

What happens during a home inspection?

A home inspector should take several hours to complete a detailed walk-through of the home you’re looking to buy. During that time, the inspector will take notes and pictures and, if you’re tagging along, comment on what they see.

An inspector might have a thought or two on child-safety issues found in the home, but again, that depends on the inspector’s experience and competencies. And a home inspector doesn’t necessarily determine whether your home is compliant with local building codes.

They also won't comment on anything aesthetic, unless it betrays a larger problem. For example, they may point out a ceiling stain that indicates water damage.

Most importantly, the inspector will provide an objective opinion on the home’s condition, detached from the emotional rollercoaster you’ve been on during the home buying process.

Did you know...

Although inspectors should have a keen eye for detail, they won’t be able to detect the unseen. That means hidden pests, asbestos, mold or other potentially hazardous substances might go unnoticed. Areas that aren't readily accessible, like the septic tank, won't be covered, either. Those sorts of issues can require specialized evaluations.

What's included in a home inspection report?

A good home inspection report is extensive, containing:

  • Checklists

  • Summaries

  • Photographs

  • Notes

The report may estimate the remaining useful life of major systems and equipment, as well as that of the roof, structure, paint and finishes.

The critical information will include recommended repairs and replacements, too.

That said, an inspection is not a pass-fail exam. No fixes are mandatory after a home inspection, though it may uncover issues that prompt further negotiations with the seller. You’ll learn much about the home and gain confidence in the decision to move into your new address — or find out enough to pass on the purchase.

NerdWallet writer Robin Rothstein contributed to this story.

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Frequently asked questions

A home inspection helps you make a more informed decision about the home you want to buy. Home inspectors can identify potential issues, some that could be costly or might even be deal breakers. An inspection can also give you a better idea of ongoing maintenance the property could require.

You do not have to be present during a home inspection, but it could be useful to watch as the inspector does their work. It may give you the chance to hear comments that might not end up in the final report or to ask spur-of-the-moment questions.

The buyer hires the home inspector and pays the fee. Home inspections are not required, but they can provide invaluable peace of mind, especially for first-time home buyers.