Home inspection claims can happen even to the most careful inspectors. Understanding how to respond quickly — and how your insurance coverage protects you — is key to maintaining your reputation and avoiding costly disputes. To allay such fears, Inspector Claim Management (ICM) and EliteMGA have instituted the worry-free concept in handling home inspector claims. Lead by Joe Denneler, general counselor for Elite MGA and the Elite family of companies, brings over two decades of experience to your aid.
In this guide, you’ll learn how to handle home inspection claims, how to report them to your insurer, and how EliteMGA’s worry-free claims process helps inspectors stay protected.
Common Home Inspection Claims (and How to Avoid Them)
The most common home inspection claims brought against home inspectors are unintentional property damage through their General Liability insurance. Other common claims are brought against home inspectors‘ Errors and Omissions policy. Home inspector claims generally include one of the following allegations:
- Roofing issues
- Mold
- Problematic plumbing
- Defects in the foundation
- Water damage
Claims can be reported on our website at Report A Claim. Our goal is to keep you free of such situations and work to maintain your insurability and keep your premium costs manageable. For the industry’s best protection, contact one of the team members at EliteMGA today.
Have Questions? Contact EliteMGA Today!
What Is The Difference Between A Claim And A Complaint
From the legal perspective, there is a significant difference between a claim and a complaint. A home inspection complaint can be made regardless if an injury or error occurred. Often complaints explain the problem and include potential resolutions. If nothing is done to address the complaint, then it is common for complaints to turn into claims. At EliteMGA, we handle them the same. We take a proactive approach to complaints to prevent insurance claims.
How to Report a Home Inspection Claim to Your Insurance
Regardless of its size, reporting a home inspection issue to your insurance should be the first step in handling a home inspector claim brought against you. Once our team has been notified, our expert attorneys and claims professionals will aggressively defend the home inspectors’ cases. To assist in formulating the best strategy, the next step is to provide our team with your inspection reports, pre-inspection agreement, and photos.
Does Reporting a Claim Affect Your Insurance Premiums?
EliteMGA and ICM have implemented a worry-free claims reporting process. In this process our clients’ policies and premiums will not increase unless we have to pay legal fees or settlements. If we pay nothing, then you pay nothing. In the worry-free claims reporting system, fostering proactivity and informing the ICM team at EliteMGA empowers our industry experts to work to either alleviate the claim or put you in the most optimal situation to resolve it. Get free consultation time, careful care and consideration for your interests, and the ultimate in expertise in state regulatory requirements. We have found that claims prevention is more effective than claims management so don’t wait. Report all complaints and issues as soon as they occur.
How to Prevent Home Inspection Claims Before They Start
The best way to handle claims is to prevent them in the first place. Keeping detailed inspection reports, maintaining transparent communication with clients, and using strong pre-inspection agreements can significantly reduce claim risk.
Ultimately, preventing home inspection claims comes down to diligence, documentation, and proactive communication. By setting clear expectations, keeping thorough records, and addressing concerns as soon as they arise, you can stop small issues from turning into major claims. Partnering with an experienced insurance provider like EliteMGA gives you an extra layer of protection—offering guidance, resources, and a worry-free claims process that helps you stay focused on delivering high-quality inspections with confidence.
Read more about risk management for home inspectors.
