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Economics_Troll t1_je4qjjj wrote

You can always submit receipts after the fact bud. Usually home warranties suck, but just because you paid out of your own pocket does not mean you aren't covered. You can still submit claims.

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clef75 t1_je5cn8q wrote

This. I used mine on a water heater. After the "free" water heater I was in for like $2k in "code upgrades" such as 50$ for a grounding wire which was not covered.

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complete_hick t1_je72rya wrote

That one's kinda on you. Before I bought my house I had a home inspector come out, he pointed out a few minor code violations which needed to be fixed which was conditional of the sale/purchase. A few months later the washing machine gave up the ghost and I got a new one free of charge

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Ratatattat44 t1_je7evvd wrote

I firmly believe that home inspectors are a scam and that anyone who has anything good to say about one is a home inspector trying to shill for the industry.

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dqb t1_je7iru5 wrote

That is insane

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Ratatattat44 t1_je7kj4m wrote

No, that’s me getting screwed by 4 different home inspectors across 4 home purchases spanning 15 years in 3 States.

In many States, the only requirement to become a home inspector is to pay a fee and pass a standardized test. No construction or home building experience required! Home inspectors have zero liability, even if they report that they checked something that they actually didn’t. The last one I dealt with was a psychopath who threatened to kill me and my family when I asked for a refund because he (surprise, surprise) missed something major because he didn’t actually check it. IANAL, but did consult with one who confirmed I had no recourse other than the $800 inspection fee in small claims in spite of the inspector’s negligence that cost me $30k+ in unplanned repairs when I bought the home.

I say again, home inspectors are a scam.

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dqb t1_je7mfd6 wrote

That is wild, sorry that those were your circumstances. Ive done thorough research and had reputable inspectors in all my experiences so ive seen the opposite side of this coin and had nothing but good fortune.

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Ratatattat44 t1_je7ogl7 wrote

Success stories perpetuate scam industries: home inspectors, reverse mortgage companies, chiropractors, homeopathic “wellness” practitioners, timeshares, etc.

Eff them all.

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ArtilleryIncoming t1_je87bxu wrote

Lol keep projecting because you didn’t do your due diligence. Home inspection does not belong in that list Lmao you’re a ducking idiot. I’m glad it’s required for home sales in many places so other people can’t be had by your truly terrible advice.

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Ratatattat44 t1_je8wx40 wrote

It is amusing that you accuse me of not doing due diligence. I did my due diligence, checked online reviews and was assured by our realtor that they've worked with the (psychopath) home inspector before and recommended them. They were 2x the price of the cheapest inspectors.

None of that changes the fact that inspectors have zero liability, have zero responsibility over the content in their reports, and need zero relevant industry experience. For something so important, why is there not proper insurance and laws to hold accountability? CPAs can be held financially responsible if they mess up your taxes. Why is this different?

I can tell you why. It is because the industry is a scam. Otherwise the proper regulations would be in place to keep everything "above board".

I'll say this again, because obviously some don't seem to understand... Just because YOU had a good experience and YOUR inspector doesn't change the fact that this INDUSTRY doesn't have the proper LAWS and REGULATIONS to do what they do. If they did, they could be held LIABLE for being incompetent, which is standard for legitimate industries.

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ArtilleryIncoming t1_je93ngq wrote

Let me guess, you live in a red state?

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Ratatattat44 t1_je9a30s wrote

3 States: one red, one blue and one purple. The death threat came from the inspector in the purple state. but I was screwed to a much smaller degree in the red and blue States as well.

It doesn't matter what side of the aisle you are on, this issue is a non-issue for politicians. Nobody cares about this so nothing is going to change. Legitimate industries have laws and regulations to hold professionals in those industries accountable, home inspectors is simply not one of those industries. Read the fine print in the agreement when you hire a home inspector and you'll see that whatever they tell you is a matter of opinion and should not be used as a basis or recommendation for anything and that you should consult with a professional.

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Mindlen546 t1_je7seuy wrote

Thank goodness the seller bought us the warranty and we didn’t spent money on it.

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FrozenReaper t1_je7zl50 wrote

If they have no liability that seems more a problem with your laws than the industry. If scamming is not illegal, scammers gona scam

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Ratatattat44 t1_je8ydhb wrote

This is America

Who do you think lobbies for lack of regulation? The benefiting industry. Do you really think prospective homebuyers are going to band together and lobby government officials to change the laws and introduce more regulation? That will literally never happen.

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Leangof638 t1_je7p7qb wrote

I'm almost hoping our downstairs HVAC goes out so we can get that replaced with our warranty too. I wasn't aware that home warranties have a bad reputation.

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Ratatattat44 t1_je8yj8z wrote

My comment was specifically about home inspectors, but home warranties are just insurance policies. YMMV.

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Sideways-Pumpkin t1_je8fdbh wrote

Hey there, just had a home inspection done. It was great. Now we know what kind of repairs to ask for in the contract before closing. He pointed out everything that may or may not be a concern in order from most hazardous to least. I don’t know jack shit about home repairs, what a lender requires, and what kind of stuff needs to be addressed sooner rather then later. Hell, before this inspection I didn’t even know that “crickets “ were a thing for chimneys.

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Ratatattat44 t1_je8yo9u wrote

All reports from an inspector will have some flavor of this. My advice is just don’t treat it like gospel.

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Sideways-Pumpkin t1_je9qx3y wrote

There’s a big difference between “don’t treat it like a gospel “ and “inspections are a scam”.

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Ratatattat44 t1_jea73h3 wrote

> I don’t know jack shit about home repairs

Which also means you have no idea if they missed anything... and yes, inspections are a scam. Just because there are individuals who operate in the industry who are not necessarily scammers does not mean that the industry itself is not a scam.

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Ratatattat44 t1_jeabfdn wrote

I'll give you another opportunity to downvote me. IDGAF about free internet points.

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TheLurkingMenace t1_je7iwkn wrote

Don't you have to shell put the money first anyway then get reimbursed?

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Economics_Troll t1_je7kjga wrote

Generally no. Warranty companies contract with local companies and will pay directly.

Same thing if your car gets hit and you take it to an authorized repair shop, they’ll pay the check directly to the repair shop and it never crosses your hands.

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StaffinFraktion t1_je7kmku wrote

Depends on the warranty. I just pay a deductible and the warranty company I use pays the rest.

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