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Don't Forget to Turn Everything On

By
Home Inspector with JRV Home Inspection Services, LLC HOI 394

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

Posted by

James Quarello
Connecticut Home Inspector
Former SNEC-ASHI President
JRV Home Inspection Services, LLC

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Bruce Thomas
A-Z Tech Home Inspections, Inc. - Greensburg, PA

James,

I hate it when that happens.

There is another aspect, I once had a bank tell me that if there was any damage from turning on the water that I was responsible.  Needless to say the valve didn't get turned by me.  Always read the fine print.

 

Nov 10, 2008 07:33 AM
Valerie Springer
Benchmark Mortgage nmls 2143 - Birmingham, AL
Home Loan Officer AL, FHA, VA, Conventional and Re

Absolutely, I recently did financing on a foreclosure, the home inspector had to go back out to the property 3 times before all utilities were on.  He didn't do the inspection until they were on, however, he was promised 3 times if he would come at such and such hour everything would be ready.  With gas costs being so high at that time he said it was almost like a freebie and to top things off bank didn't seem to care how they had inconvenienced him or the client.  Thanks for the reminder!

Nov 10, 2008 07:33 AM
James Quarello
JRV Home Inspection Services, LLC - Wallingford, CT
Connecticut Home Inspector

Bruce, That wasn't the situation here. All though there have been many times I wasn't the one turning on the valve or throwing the switch.

Valerie, That's a shame to waste someones time like that. You're right, banks don't care.

Nov 10, 2008 07:44 AM
Charles Buell
Charles Buell Inspections Inc. - Seattle, WA
Seattle Home Inspector

I think with these types of situations all parties need to be REALLY careful.  If the buyer is expecting these things to be on (sometimes they will agree to the inspection understanding the inspection is going to be "marginal").  If I have to make extra trips SOMEBODY has to pay.  Personally if the seller doesn't have the property ready to inspect it also isn't ready to sell---and they shoud pay.  LOL if that is the bank---but they should.  I think the listing agent holds a lot of the responsibility to make sure everything is on at the time of inspection.

Nov 10, 2008 07:54 AM
Keisha Hosea- KASIHomes.com
KASI Homes - Chino Hills, CA
Real Estate Solutions For Real People

A proper home inspection requires that all utilities are on. Banks call enough of the shots when it comes to these transactions, but enough is enough.

Nov 10, 2008 07:56 AM
Bill Ladewig
LoanOfficerSchool.com - Escondido, CA
Experience Is Your Advantage

Good advice, and it doesn't hurt remember to also be focused on keeping ouselves "turned on"

Nov 10, 2008 08:09 AM
James Quarello
JRV Home Inspection Services, LLC - Wallingford, CT
Connecticut Home Inspector

Charlie,When a client calls and tells me the property is a foreclosure, I ask if everything is on. If it's not I tell them they should work on getting everything on or they could end up with unwanted surprises. And yes I believe the agents have some degree of responsibility in having the house ready to inspect.

Keisha, I couldn't agree more.

Bill, Yes we always need to be aware.

Nov 10, 2008 08:18 AM
Steven L. Smith
King of the House Home Inspection, Inc. - Bellingham, WA
Bellingham WA Home Inspector

Good tip James. We see that a lot here too. Sometimes the inspection has to be done without those utilities, but it does involve a major exclusion to the inspection.

Nov 10, 2008 12:31 PM
Not a real person
San Diego, CA

The banks are even winterizing homes here in San Diego! Huh?

I had a Realtor who was really upset at me one time because we got to the property and the water was off. I refused to turn it on because I didn't know why it, and only it, had been shut off. Our Clients were in San Francisco and it was a short escrow. So the Realtor told me to go ahead and do the inspection. When I was inspecting the roof and out in the back yard, she turned the water on and then came and joined me in the back yard. When we finally got back to the front and went inside to do the interior, we were greeted with a waterfall down the stairs and a flooded first floor. All the water faucets everywhere had been left on but there was no drain pipe in one of the upstairs bathrooms. I understand the Realtor had a $15,000 repair and cleaning biil. After all was repaired, my Clients thought it was a good bargain with all the new carpet and wood floors -- LOL -- so they bought it.

Nov 10, 2008 08:07 PM
James Quarello
JRV Home Inspection Services, LLC - Wallingford, CT
Connecticut Home Inspector

Steven, I find it troublesome to inspect a home where the utilities are off. I feel like I am missing something major and can not do as good a job for my clients.

Russel, Funny story and a good lesson. I had a very similar experience with an agent turning on water. Not nearly as catastrophic, but he learned an important lesson as well.

Nov 10, 2008 10:03 PM