With the prevalence of foreclosures these days' home inspectors are inspecting many more of these kinds of properties. Usually what happens with bank owned properties is all the utilities get turn off and the home is winterized. This presents some what of a dilemma for the home inspector. You can not properly and thoroughly inspect a home where there are no functioning utilities.
What usually occurs can be several different varying scenarios. The home can be inspected as is, which does happen, but is not desirable. Many times some of the utilities may be on or get turned on and then home is inspected. Or the buyer manages to wade the through the bank bureaucracy and is able to get all the utilities functioning for the inspection.
The most problematic for the inspector is when only some or none of the utilities are on. Without being able to test the function of, for example the plumbing, there is no way of discovering if a major problem exists.
The other aspect of this situation is we may be asked to return to the property after something gets turned on. Re-inspections are all well and good, but there is the time and cost to consider and this can be a sticky point with the customer.
I recently went back to a home for a client where the water was off during the inspection. The city had turned on the water at the street, we had to turn it on in the house. No more than 10 seconds after the main shut off valve was opened we could hear the sound of running, splashing water. I immediately shut the valve.
What happened was there was a major leak inside the bathroom wall. The floor in the bathroom, the hall and the bedroom all had a large puddle from the brief time the water had been on. The water was raining into the basement. It was a huge mess.
Fortunately this buyer discovered this before moving in. This illustrates the importance of having all the utilities on before the inspection. No one needs unexpected surprises the first day they move into their new house.
James Quarello
JRV Home Inspection Services, LLC
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