When home inspectors contact me to squash a claim, there are three documents that I always ask for: All correspondence with the claimant, the Inspection Report and the Inspector’s Inspection Agreement. These documents essentially constitute the “claim file” and invariably provide a torrent of reasons why the claim will fail.
After having sucessfully dispatched over 300 home inspection claims since 2006, I never expect a claim to have any merit and my expectations are never dashed. Of course, claimants and their attorneys, by and large, do not regard the mere fact that a claim has no legitimate predicate as any obstacle to making it. Indeed, their most frequently and fervently expressed desire is that the inspector “turn [the claim] over to your insurance company.”
And who can blame them? After all, most insurance companies operating in the home inspector professional liability field do not regard the mere fact that a claim has no legitimate predicate as any obstacle to throwing money at it. As long as the amount does not exceed the insured’s deductible, that is.