How a Home Inspection Can Affect Your Insurance, Resale Value, and Legal Liability

Most people think a home inspection is only about identifying defects. What many homeowners don’t realize is that inspection findings can directly impact home insurance coverage, future resale, and even legal responsibility.

Understanding this connection can protect you long after the inspection is complete.

1. Home Inspection Reports and Insurance Coverage

Insurance companies may review inspection-related issues when:

  • Issuing new policies

  • Renewing existing coverage

  • Evaluating claims

Common inspection findings that raise red flags include:

  • Roof damage or aging roofs

  • Electrical safety hazards

  • Plumbing leaks or water damage

2. Inspection Findings Can Become Legal Disclosures

Once a homeowner is aware of an issue, it often becomes a known defect.

Known defects may:

  • Be required disclosures during resale

  • Affect buyer negotiations

  • Create legal exposure if not disclosed

3. Deferred Repairs Can Reduce Resale Value

Ignoring inspection recommendations may:

  • Lower appraised value

  • Cause buyers to request credits

  • Result in longer time on the market

A pre-listing home inspection allows sellers to address issues before listing.

3. Deferred Repairs Can Reduce Resale Value

Ignoring inspection recommendations may:

  • Lower appraised value

  • Cause buyers to request credits

  • Result in longer time on the market

A pre-listing home inspection allows sellers to address issues before listing.

5. Why Preventive Inspections Protect Homeowners

Annual or routine inspections can help homeowners:

  • Identify emerging risks

  • Maintain insurance eligibility

  • Reduce long-term liability

Inspections aren’t just for transactions — they’re a risk-management tool.

Why Choose PPT Inspections?

At PPT Inspections, we go beyond identifying defects. We help homeowners understand how inspection findings impact long-term ownership, not just the purchase process.

Our professional inspections support smarter decisions and better protection.

Schedule a Professional Home Inspection with PPT Inspections

Whether you’re buying, selling, or maintaining your home, understanding risk matters.

If you’d like to learn more, click the link below for more information.

PPT Inspections is a trusted, locally owned company serving Detroit, Troy, Sterling Heights, and surrounding areas since 1994. Specializing in comprehensive home inspections, we provide peace of mind with expert evaluations for buyers, sellers, and homeowners.

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