What if something significant is discovered after we've already moved in — is that on you?

What home inspection companies need to publish

This is the most consequential question in the entire relationship, and an honest answer about liability and errors-and-omissions coverage matters more here than in almost any other service industry.

How customers actually ask it

The same intent arrives in wording your page probably does not use. All of these mean the same thing:

  • “What if something significant is discovered after we've already moved in — is that on you?”
  • “home inspector missed something liability”
  • “inspector didn't catch a problem”
  • “recourse after inspection missed issue”

What a complete answer contains

For home inspection companies specifically, an answer is only complete when it covers all 5:

  1. 1

    The distinction between something genuinely missed within scope versus something outside the inspection's inherent limitations

  2. 2

    Whether the inspector carries errors and omissions insurance, stated directly

  3. 3

    The actual process for raising a post-move-in concern with the inspection company

  4. 4

    That state licensing boards typically provide a complaint and oversight process as well

  5. 5

    What a fair, good-faith response from the inspector actually looks like when a legitimate miss occurs

A worked example

Illustrative — not a real business

It depends on whether the issue was something reasonably observable and within the scope of a standard inspection versus something genuinely hidden or outside that scope, as discussed earlier — those are two different situations with different answers. We carry errors and omissions insurance specifically for the case where something within our reasonable scope was genuinely missed, and if you believe that has happened, the right first step is to call us directly rather than assume there is no recourse; we take that conversation seriously and will send someone back out to assess the specific concern in most cases at no charge. In most states, home inspectors are also licensed and regulated, and the state licensing board provides a formal complaint process if a resolution with the inspector directly does not feel adequate — we will tell you how to reach that board if you ever feel you need to. A fair-minded response from us in a genuine miss looks like acknowledging it plainly, explaining what we can and cannot do about it now, and working in good faith toward some resolution — not becoming defensive or citing scope limitations as a way to avoid an honest conversation about a real mistake.

Which page should own it

Our guarantee and liability page

What silence costs

This is the exact moment where a home inspector's actual character is revealed, and being upfront about the process before it happens builds more trust than avoiding the question until it does.

More questions home inspection companies get

Related

Does your site answer this already?

Point RubyRep at your website and ask it this exact question. If it cannot answer, neither can your customers.

https://

Takes about a minute.