How Ignoring a Home Inspection Can Void Your Warranties and Insurance Coverage

Many homeowners believe a home inspection is only useful during a real estate transaction. What most don’t realize is that ignoring inspection findings can actually put warranties and insurance coverage at risk.

Understanding this connection can protect you from unexpected claim denials and costly repairs.

Home Inspections and Manufacturer Warranties

Major systems such as:

  • HVAC units

  • Water heaters

  • Roofing systems

often come with manufacturer warranties that require proper installation and ongoing maintenance.

Inspection reports frequently identify:

  • Improper installation

  • Missing safety components

  • Maintenance issues

Failing to address these findings can result in voided warranties.

Insurance Companies Expect Maintenance — Not Just Coverage

Home insurance policies often require homeowners to:

  • Maintain the property in safe condition

  • Address known defects

  • Prevent ongoing damage

Inspection findings such as electrical hazards, roof damage, or plumbing leaks may be used by insurers to deny claims if left uncorrected.

Why “Known Issues” Matter After an Inspection

Once an issue is documented in a home inspection report, it becomes a known condition.

Known conditions may:

  • Require repair within a reasonable timeframe

  • Be referenced during insurance claims

  • Create liability if damage worsens

Ignoring them can expose homeowners to financial risk.

New Construction Homes Aren’t Exempt

Even new homes can lose coverage if:

  • Builder defects are not addressed

  • Warranty deadlines expire

  • One-year builder warranties lapse without inspection

A builder warranty inspection helps catch issues before coverage ends.

How Homeowners Can Protect Themselves

To stay protected:

  • Review your inspection report carefully

  • Prioritize safety and system-related repairs

  • Keep records of completed repairs

  • Schedule follow-up inspections

Proactive homeowners avoid costly surprises.

Why Choose PPT Inspections

At PPT Inspections, we help homeowners understand how inspection findings affect long-term ownership, not just the sale.

Our inspections are designed to protect your investment.

Schedule a Professional Home Inspection Today

Whether you’re buying, selling, or maintaining your home, staying informed protects your coverage.

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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