Understanding Financing Options Offered by Contractors

Understanding Financing Options Offered by Contractors

Overview of common financing options available for residential foundation repair, including cash payment, financing through the contractor, and third-party financing. Moisture detection tools help prevent further foundation damage in homes residential foundation repair service entrance stairs.


When it comes to residential foundation repair, understanding the financing options available can significantly ease the burden of unexpected expenses. Homeowners often face the dilemma of choosing the best way to pay for necessary repairs, and there are several common financing options to consider.

Firstly, cash payment is the most straightforward option. Paying out of pocket allows homeowners to avoid interest charges and potentially secure a discount for upfront payment. However, this option may not be feasible for everyone, especially if the repair costs are substantial.

Another popular option is financing through the contractor. Many contractors offer in-house financing plans that allow homeowners to spread the cost of repairs over time. These plans may come with varying terms, including interest rates and repayment periods. It's essential to carefully review the terms and conditions to ensure they align with your financial situation. Some contractors may even offer interest-free financing for a limited period, making it an attractive option for many homeowners.

Third-party financing is another viable option. This involves obtaining a loan from a bank, credit union, or specialized lender to cover the cost of foundation repair. Third-party financing can offer more flexible terms and potentially lower interest rates compared to contractor financing. However, it may also involve a more rigorous application process and credit checks.

In conclusion, when faced with the need for residential foundation repair, exploring these common financing options can help homeowners make an informed decision. Whether opting for cash payment, financing through the contractor, or third-party financing, understanding the pros and cons of each option is crucial in choosing the best path forward.

Discussion of the benefits and drawbacks of each financing option, including interest rates, repayment terms, and impact on credit score.


When considering financing options offered by contractors, it's essential to weigh the benefits and drawbacks of each to make an informed decision. Contractors may offer various financing plans, including in-house financing, third-party lenders, and credit cards. Each option comes with its own set of advantages and disadvantages, which can impact your financial situation in different ways.

In-house financing, provided directly by the contractor, often comes with the benefit of convenience. Contractors may offer promotional deals such as zero percent interest for a certain period, making it an attractive option for those looking to spread out the cost of a project without immediate financial strain. However, the interest rates on in-house financing can be higher than those offered by traditional lenders once the promotional period ends. Additionally, reliance on a single source for financing can limit your options and negotiating power.

Third-party lenders, such as banks or credit unions, offer another avenue for financing home improvement projects. These lenders may provide lower interest rates and more flexible repayment terms compared to in-house financing. The drawback is that obtaining financing through a third-party lender can be a more involved process, requiring a thorough credit check and potentially longer approval times. Moreover, if your credit score is less than stellar, you may face higher interest rates or even be denied financing altogether.

Using a credit card to finance a home improvement project is perhaps the most accessible option, especially for smaller projects. Credit cards often come with rewards programs that can offset some of the costs, and they offer the flexibility of paying off the balance over time. However, credit cards typically have much higher interest rates than other financing options, which can lead to significant debt if the balance is not paid off quickly. Additionally, maxing out your credit card can negatively impact your credit score and limit your ability to obtain financing for other purposes.

In terms of repayment terms, in-house financing and third-party lenders usually offer fixed repayment schedules, which can help you budget more effectively. Credit cards, on the other hand, offer more flexibility but can also lead to higher interest charges if you carry a balance.

The impact on your credit score is another critical factor to consider. Timely payments on any financing option can improve your credit score, while late payments can harm it. However, applying for multiple lines of credit in a short period can also negatively affect your score due to hard inquiries on your credit report.

In conclusion, understanding the benefits and drawbacks of each financing option is crucial when working with contractors. Consider your financial situation, the size of the project, and your ability to repay the loan when choosing the best financing option for your needs.

Explanation of the factors that influence financing options, such as the scope of the repair, the contractor's policies, and the borrower's creditworthiness.


When it comes to financing home repairs or renovations, understanding the various factors that influence the available financing options is crucial. These factors can significantly impact the terms, interest rates, and overall feasibility of securing a loan. Let's delve into some of the key elements that play a role in determining financing options.

Firstly, the scope of the repair or renovation project is a major determinant. Larger, more extensive projects typically require higher financing amounts. Contractors offering financing may have different thresholds or limits on the amount they are willing to lend. For instance, a minor roof repair might be easier to finance than a full kitchen remodel. The complexity and cost of the project will influence not only the amount of financing needed but also the terms offered by the lender.

Another critical factor is the contractor's policies. Each contractor may have their own set of guidelines and criteria for offering financing. Some contractors partner with specific lenders or finance companies, which means the terms and conditions can vary widely. It's important to inquire about the contractor's financing partnerships, the types of loans they offer (e.g., fixed-rate loans, lines of credit), and any additional fees or requirements. Understanding these policies can help borrowers make informed decisions.

The borrower's creditworthiness is perhaps one of the most significant factors influencing financing options. Lenders, including those offering contractor financing, will assess the borrower's credit score, credit history, and overall financial health. A higher credit score usually translates to better loan terms, such as lower interest rates and higher borrowing limits. Conversely, a lower credit score might result in higher interest rates or even denial of financing. Borrowers should be aware of their credit standing and may need to take steps to improve it before applying for financing.

Additionally, the borrower's income and debt-to-income ratio are crucial. Lenders want to ensure that the borrower has a stable income and can manage additional debt without financial strain. Providing proof of income, such as pay stubs or tax returns, and maintaining a healthy debt-to-income ratio can improve the chances of securing favorable financing terms.

In conclusion, when exploring financing options for home repairs or renovations, it's essential to consider the scope of the project, the contractor's financing policies, and the borrower's creditworthiness. By understanding these factors, borrowers can navigate the financing landscape more effectively and secure the best possible terms for their needs.

Tips for choosing the right financing option, including assessing your budget, comparing interest rates and terms, and seeking professional advice.


When it comes to home improvement projects, choosing the right financing option is crucial. It can significantly impact your budget and the overall success of your project. Here are some tips to help you make an informed decision.

Firstly, assess your budget. Before you even start looking at financing options, take a close look at your financial situation. Determine how much you can afford to spend on your project and how much you can comfortably pay each month. This will help you narrow down your financing options and avoid overextending yourself financially.

Next, compare interest rates and terms. Different financing options come with different interest rates and terms, so it's important to do your research and compare your options. Look for financing options with low interest rates and flexible terms that fit your budget and repayment timeline.

It's also a good idea to seek professional advice. Talk to a financial advisor or a contractor who offers financing options to get a better understanding of your options and what might work best for you. They can help you navigate the complex world of financing and provide valuable insights and advice.

Finally, don't be afraid to negotiate. Whether you're working with a contractor or a financing provider, don't be afraid to negotiate the terms of your financing agreement. You may be able to secure a lower interest rate or more favorable terms by simply asking.

In conclusion, choosing the right financing option for your home improvement project is crucial. By assessing your budget, comparing interest rates and terms, seeking professional advice, and negotiating, you can make an informed decision that fits your financial situation and helps you achieve your goals.

Overview of the application process for financing through the contractor or a third-party lender, including required documentation and eligibility criteria.


Certainly! When it comes to financing home improvement projects, understanding the application process through a contractor or a third-party lender is crucial. This overview aims to demystify the steps involved, the necessary documentation, and the eligibility criteria you'll need to meet.

Firstly, the application process typically begins with selecting a reputable contractor. It's essential to choose someone with a proven track record and good customer reviews. Once you've found the right contractor, they will guide you through the financing options available. These options might include financing directly through the contractor or through a third-party lender that the contractor has partnered with.

The documentation required for your application will vary depending on whether you're financing through the contractor or a third-party lender. Generally, you'll need to provide proof of income, such as recent pay stubs or tax returns, to demonstrate your ability to repay the loan. Additionally, you may be asked to provide a copy of your credit report, as your credit score will play a significant role in determining your eligibility and the interest rate you'll be offered.

Other common documents include identification, such as a driver's license or passport, and details about the project you wish to finance. This might include a detailed estimate or quote from the contractor, outlining the scope of work and the total cost.

Eligibility criteria can also vary. Lenders will typically look at your credit score, income stability, and debt-to-income ratio. A higher credit score usually means better loan terms, while a lower score might result in higher interest rates or even denial of the loan. Income stability is also crucial; lenders want to ensure you have a steady source of income to repay the loan. Finally, your debt-to-income ratio, which compares your monthly debt payments to your monthly income, is a key factor. Lenders prefer borrowers with a lower ratio, as it indicates more capacity to take on additional debt.

In conclusion, financing a home improvement project through a contractor or a third-party lender involves a straightforward application process. By gathering the required documentation and meeting the eligibility criteria, you can secure the financing needed to bring your project to life. Remember, the key to a successful application is preparation and choosing a reliable contractor who can guide you through the process.

Discussion of the risks and responsibilities associated with financing foundation repair, including the potential for additional costs, the impact on your home's value, and the importance of timely repayment.


When considering financing options for foundation repair, it's crucial to understand the risks and responsibilities involved. First, let's talk about the potential for additional costs. Foundation repair is often a complex process, and unforeseen issues may arise during the work. These unexpected problems can lead to extra expenses that were not initially budgeted for. It's important to have a clear understanding of your financing agreement and to be prepared for the possibility of additional costs.

Next, consider the impact on your home's value. Investing in foundation repair can actually increase your home's value by ensuring its structural integrity and safety. However, if the repair is not done properly or if there are ongoing issues, it could potentially decrease your home's value. This is why it's essential to choose a reputable contractor and to fully understand the scope of the work being done.

Lastly, the importance of timely repayment cannot be overstated. When you finance foundation repair, you are taking on debt that must be repaid. Late or missed payments can lead to increased interest rates, additional fees, and even damage to your credit score. It's vital to create a budget that allows you to make your payments on time and to communicate with your lender if you anticipate any issues with repayment.

In conclusion, financing foundation repair comes with its own set of risks and responsibilities. By being aware of the potential for additional costs, understanding the impact on your home's value, and prioritizing timely repayment, you can navigate the financing process more effectively and ensure a successful outcome for your foundation repair project.



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Radon mitigation is any process used to reduce radon gas concentrations in the breathing zones of occupied buildings, or radon from water supplies. Radon is a significant contributor to environmental radioactivity and indoor air pollution. Exposure to radon can cause serious health problems such as lung cancer.[1]

Mitigation of radon in the air by active soil depressurization is most effective. Concrete slabs, sub-floors, and/or crawlspaces are sealed, an air pathway is then created to exhaust radon above the roof-line, and a radon mitigation fan is installed to run permanently. In particularly troublesome dwellings, air exchangers can be used to reduce indoor radon concentrations. Treatment systems using aeration or activated charcoal are available to remove radon from domestic water supplies. There is no proven link between radon in water and gastrointestinal cancers; however, extremely high radon concentrations in water can be aerosolized by faucets and shower heads and contribute to high indoor radon levels in the air.

Testing

[edit]
A typical radon test kit
Fluctuation of ambient air radon concentration over one week, measured in a laboratory

The first step in mitigation is testing. No level of radiation is considered completely safe, but as it cannot be eliminated, governments around the world have set various action levels to provide guidance on when radon concentrations should be reduced. The World Health Organization's International Radon Project has recommended an action level of 100 Bq/m3 (2.7 pCi/L) for radon in the air.[2] Radon in the air is considered to be a larger health threat than radon in domestic water. The US Environmental Protection Agency recommendation is to not test for radon in water unless a radon in air test shows concentrations above the action level. However, in some U.S. states such as Maine where radon levels are higher than the national average, it is recommend that all well water should be tested for radon. The U.S. government has not set an action level for radon in water.

Air-radon levels fluctuate naturally on a daily and seasonal basis. A short term test (90 days or less) might not be an accurate assessment of a home's average radon level, but is recommended for initial testing to quickly determine unhealthy conditions. Transient weather such as wind and changes in barometric pressure can affect short-term concentrations as well as ventilation, such as open windows and the operation of exhaust fans.

Testing for radon in the air is accomplished using passive or active devices placed in the building. Some devices are promptly sent to a laboratory for analysis, others calculate the results on-site including digital Radon detectors. Radon-in-water testing requires a water sample being sent to a laboratory.

Retesting is recommended in several situations, for example, before spending money on the installation of a mitigation system. Test results which exceed accuracy tolerances also require re-testing. When a mitigation system installation is warranted, a retest after the system is functional is advised to be sure the system is effectively reducing the radon concentration below the action level, and after any mitigation system repairs such as replacing a fan unit. The US EPA recommends retesting homes with radon problems every two years to ensure proper system function. Due to the vast fluctuation in indoor radon levels, the EPA recommends all homes be tested at least once every five years.[3]

Testing in the United States

[edit]
Radon map of the United States

ASTM E-2121 is a US standard for reducing airborne radon in homes as far as practicable below the action level of 4 picocuries per liter (pCi/L) (148 Bq/m3).[4][5] Some states recommend achieving 2.0 pCi/L or less.

Radon test kits are commercially available[6] and can be used by homeowners and tenants and in limited cases by landlords, except when a property is for sale.

Commercially available test kits include a passive collector that the user places in the lowest livable floor of the house for 2 to 7 days. The user then sends the collector to a laboratory for analysis. Long-term kits, taking collections from 91 days to one year, are also available. Open land test kits can test radon emissions from the land before construction begins, but are not recommended by the EPA because they do not accurately predict the final indoor radon level. The EPA and the National Environmental Health Association have identified 15 types of radon test devices.[7] A Lucas cell is one type of device.

Retesting is specifically recommended in several situations. Measurements between 4 and 10 pCi/L (148 and 370 Bq/m3) warrant a follow-up short-term or long-term radon test before mitigation. Measurements over 10 pCi/L (370 Bq/m3) warrant only another short-term test (not a long-term test) so that abatement measures are not unduly delayed.

Progress has been made regarding radon in the home. A total of 37 states have now[when?] passed legislation requiring home-sellers to disclose known radon levels before completing the transaction (although only a handful have introduced criminal penalties for misrepresentation).[8] And over half the legislatures have written radon into their state's building code.[9] Purchasers of real estate may delay or decline a purchase if the seller has not successfully abated radon to less than 4 pCi/L.

The accuracy of the residential radon test depends upon whether closed house conditions are maintained. Thus the occupants will be instructed not to open windows, etc., for ventilation during the pendency of test, usually two days or more. However, the occupants, if the present owners, will be motivated to pass the test and insure the sale, so they might be tempted to open a window to get a lower radon score. Moreover, there may be children or immature teens or young adults in the house who will open a window for ventilation notwithstanding instructions not to do so, particularly in uncomfortably hot weather. Accordingly, whether the potential purchaser should trust the result of such a test is problematic.

Management of radon service provider certification has evolved since being introduced by the EPA in 1986. In the 1990s this service was "privatized" and the National Environmental Health Association (NEHA) helped transition the voluntary National Radon Proficiency Program (NRPP) to be administered by private firms. As of 2012, the NRPP is administered by the American Association of Radon Scientists and Technologists (AARST).[10]

Some states, such as Maine, require landlords to test their rental properties and turn the results in to the state. In limited cases the landlord or tenants may do the testing themselves. The rules in each state vary. In many cases there are private contractors that will inspect hired by the city.

Testing in Canada

[edit]

Health Canada recommends regular annual testing, either by hiring a qualified tester or by using a home-testing kit that should be checked quarterly.[11]

Canadian Government, in conjunction with the territories and provinces, developed the guideline[12] to indicate when remedial action should be taken was originally set at 800 Bq/m3 (becquerels per cubic meter) and since reduced to 200 Bq/m3. This new guideline was approved by the Federal Provincial Territorial Radiation Protection Committee in October 2006.[13]

Testing in the UK

[edit]

Radon testing in the UK is managed by UKradon and the UKHSA.[14]

Testing in Norway

[edit]

The Norwegian Radiation and Nuclear Safety Authority (DSA) developed the protocol[15] for radon measurements in residential dwellings[16] with respect to rental accommodation, which is governed by The Radiation Protection Regulations.[17]

Methods of radon gas mitigation

[edit]
Part of a radon mitigation system including the fan and vent pipe is visible near the gutter downspout.

Because high levels of radon have been found in every state of the United States,[18] testing for radon and installing radon mitigation systems has become a specialized industry since the 1980s. Many states have implemented programs that affect home buying and awareness in the real estate community; however, radon testing and mitigation systems are not generally mandatory unless specified by the local jurisdiction.[19]

Anticipated high radon levels can be mitigated during building design and construction by a combination of ensuring a perfectly sealed foundation, allowing sufficient passive dispersal of under-slab gas around rather than through the building, and proper building ventilation. In many instances, such approaches may achieve a sufficient reduction of radon levels compared to other buildings where such approaches were not taken. However, quality of implementation is crucial and testing after construction is necessary. For instance, even a small gap in the sealing of the slab may be sufficient for excessive quantities of radon to enter, given pressure differentials.

Where such approaches were not taken during construction or have proven insufficiently effective, remediation is needed. According to the EPA's "A Citizen's Guide to Radon",[20] the method to reduce radon "primarily used is a vent pipe system and fan, which pulls radon from beneath the house and vents it to the outside", which is also called sub-slab depressurization, soil suction, or active soil depressurization (ASD). Generally indoor radon can be mitigated by sub-slab depressurization and exhausting such radon-laden air to the outdoors, away from windows and other building openings.[21] "EPA generally recommends methods which prevent the entry of radon. Soil suction, for example, prevents radon from entering your home by drawing the radon from below the home and venting it through a pipe, or pipes, to the air above the home where it is quickly diluted" and "EPA does not recommend the use of sealing alone to reduce radon because, by itself, sealing has not been shown to lower radon levels significantly or consistently" according to the EPA's "Consumer's Guide to Radon Reduction: How to Fix Your Home".[22] Ventilation systems can utilize a heat exchanger or energy recovery ventilator to recover part of the energy otherwise lost in the process of exchanging air with the outside. For crawlspaces, the EPA states,[22] "An effective method to reduce radon levels in crawlspace homes involves covering the earth floor with a high-density plastic sheet. A vent pipe and fan are used to draw the radon from under the sheet and vent it to the outdoors. This form of soil suction is called submembrane suction, and when properly applied is the most effective way to reduce radon levels in crawlspace homes."

High radon levels in a Minnesota (USA) basement with a passive under slab vent pipe system can be seen in the left half of the graph. After installation of a radon fan (ASD), a permanent reduction in radon levels to approximately 0.6 pCi/L can be seen in the right half of the graph.
  • The most common approach is active soil depressurization (ASD). Experience has shown that ASD is applicable to most buildings since radon usually enters from the soil and rock underneath and mechanical ventilation is used when the indoor radon is emitted from the building materials. A less common approach works efficiently by reducing air pressures within cavities of exterior and demising walls where radon emitting from building materials, most often concrete blocks, collects.
  • Above slab air pressure differential barrier technology (ASAPDB) requires that the interior pressure envelope, most often drywall, as well as all ductwork for air conditioning systems, be made as airtight as possible. A small blower, often no more than 15 cubic feet per minute (0.7 L/s) may then extract the radon-laden air from these cavities and exhaust it to the out of doors. With well-sealed HVAC ducts, very small negative pressures, perhaps as little as 0.5 pascal (0.00007 psi), will prevent the entry of highly radon-laden wall cavity air from entering into the breathing zone. Such ASAPDB technology is often the best radon mitigation choice for high-rise condominiums as it does not increase indoor humidity loads in hot humid climates, and it can also work well to prevent mold growth in exterior walls in heating climates.
  • In hot, humid climates, heat recovery ventilators (HRV) as well as energy recovery ventilators (ERV) have a record of increasing indoor relative humidity and dehumidification demands on air conditioning systems. Mold problems can occur in homes that have been radon mitigated with HRV and ERV installations in hot, humid climates.[citation needed] HRVs and ERVs have an excellent record in cold dry climates.
  • A recent technology is based on building science. It includes a variable rate mechanical ventilation system that prevents indoor relative humidity from rising above a preset level such as 50% which is currently suggested by the US Environmental Protection Agency and others as an upper limit for the prevention of mold. It has proven to be especially effective in hot, humid climates. It controls the air delivery rate so that the air conditioner is never overloaded with more moisture than it can effectively remove from the indoor air.
    • It is generally assumed that air conditioner operation will remove excess moisture from the air in the breathing zone, but it is important to note that just because the air conditioner cools does not mean that it is also dehumidfying. If Δt is 14 degrees or less, it may not dehumidify at all even though it is cooling.
    • Factors that are likely to aggravate indoor humidity problems from mechanical ventilation–based radon installations are as follows and an expert radon mitigator/building scientist will check for and correct any and all of the following when he or she performs radon mitigation procedures:
      • Air conditioner duct leaks located outside the breathing zone, such as in the attic.
      • Excessive exhaust fan operation
      • Oversize or over-capacity air conditioners
      • AC air handler fans that do not stop running when the air conditioner compressor stops running.
      • Delta tt), which is the amount that the air is cooled as it is passed through the air conditioner's cooling coils. A good Δt performance figure for home air conditioners is about 20 °F (11 °C). In comparison, automobile air conditioners deliver Δt performance of 32 to 38 °F (18 to 21 °C). A Δt of 14 °F (8 °C) will dehumidify poorly if at all.

In South Florida, most radon mitigation is performed by use of fixed rate mechanical ventilation. Radon mitigation training in Florida does not include problems associated with mechanical ventilation systems, such as high indoor humidity, mold, moldy odors, property damage or health consequences of human occupation in high humidity of moldy environments[citation needed]. As a result, most Florida radon mitigators are unaware of and do not incorporate existing building science moisture management technology into mechanical ventilation radon installations. Home inspectors may not necessarily be aware of the mold risks associated with radon mitigation by mechanical ventilation.

The average cost for an ASD radon mitigation system in Minnesota is $1500.[23] These costs are very dependent on the type of home and age of construction.[24]

Methods of radon-in-water mitigation

[edit]

Radon removal from water supplies may be at a treatment plant, point of entry, or point of use. Public water supplies in the United States were required to treat for radionuclides beginning in 2003 but private wells are not regulated by the federal government as of 2014. The radon can be captured by granular activated charcoal (GAR) or released into the air through aeration of the water. Radon will naturally dissipate from water over a period of days, but the quantity of storage needed to treat the water in this manner makes home systems of this type impracticably large.[25]

Activated carbon systems capture radon from the water. The amount of radiation accumulates over time and the filter material may reach the level of requiring disposal as a radioactive waste. However, in the United States there are no regulations concerning radiation levels and disposal of radon treatment waste as of 2014.

Aeration systems move the radon from the water to the air. Radon gas discharged into the air is the release of a pollutant, and may become regulated in the United States.

References

[edit]
  1. ^ Nunnally, Diamond (2022-03-30). "Dangerous radon gas dangers and detection tips". WBMA. Retrieved 2022-04-10.
  2. ^ WHO Handbook on Indoor Radon: A Public Health Perspective. World Health Organization. 2009.
  3. ^ US EPA, OAR (2013-08-27). "Radon". www.epa.gov. Retrieved 2023-02-04.
  4. ^ "Recommended Residential Radon Mitigation Standard of Practice". United States Environmental Protection Agency. Archived from the original on 2008-01-16. Retrieved 2008-02-02.
  5. ^ "ASTM E2121-03 Standard Practice for Installing Radon Mitigation Systems in Existing Low-Rise Residential Buildings". ASTM International. Retrieved 2008-02-02.
  6. ^ "Commercially Available Radon Kits". Alpha Energy Labs. Archived from the original on 2012-07-12. Retrieved 2012-04-19.
  7. ^ "Radon Measurement Method Definitions". The National Environmental Health Association—National Radon Proficiency Program. Archived from the original on 2007-12-24. Retrieved 2008-02-02.
  8. ^ "State Radon Laws". lawatlas.org. Retrieved 2021-07-12.
  9. ^ "National Conference of State Legislatures (NCSL) - Radon".
  10. ^ "National Radon Proficiency Program - NEHA and NEHA-NRPP History". Nrpp.info. Retrieved 2015-03-30.
  11. ^ "Home radon testing important for health". lethbridgeherald.com. 18 March 2022. Retrieved 2022-04-10.
  12. ^ "Radon Gas | Vancouver, BC, Canada". Radoncontrol.ca. Retrieved 2015-03-30.
  13. ^ "Radon Frequently Asked Questions - Health Canada". Hc-sc.gc.ca. 2014-07-30. Retrieved 2015-03-30.
  14. ^ "UKradon - Home". www.ukradon.org.
  15. ^ "Radon measurements in residential dwellings".
  16. ^ "Radon boliger 2013" (PDF).
  17. ^ "Legislation".
  18. ^ "Radon: Myth vs Fact". Radon-Rid/EPA. Retrieved 2009-11-13.
  19. ^ "Listing of States and Jurisdictions with RRNC Codes". EPA. Retrieved 2009-11-13.
  20. ^ "A Citizen's Guide to Radon" (PDF). EPA. Retrieved 2024-12-27.
  21. ^ "Radon Mitigation Methods". Radon Solution. Archived from the original on 2008-12-15. Retrieved 2008-12-02.
  22. ^ a b "Consumer's Guide to Radon Reduction: How to Fix Your Home" (PDF). EPA.
  23. ^ "Radon Mitigation System - EH: Minnesota Department of Health". Health.state.mn.us. 2014-12-10. Retrieved 2019-03-26.
  24. ^ "Featured Radon Mitigation System Archives". Radonreductioninc.com. Retrieved 2015-03-30.
  25. ^ ""Radon in Drinking Water Health Risk Reduction and Cost Analysis: Notice"" (PDF). Federal Register. 64. February 26, 1999. Retrieved 2015-03-30.
[edit]
  • Radon at the United States Environmental Protection Agency
  • National Radon Program Services hosted by Kansas State University
  • Radon and Lung Health from the American Lung Association
  • It's Your Health - Health Canada
  • Radon's impact on your health – Quebec Lung Association

 

 

Hoffman Estates is located in Illinois
Hoffman Estates
Hoffman Estates
 
Hoffman Estates is located in the United States
Hoffman Estates
Hoffman Estates
 
Hoffman Estates, Illinois
Village
Hoffman Estates scenery
Hoffman Estates scenery
Flag of Hoffman Estates, Illinois
Official seal of Hoffman Estates, Illinois
Motto: 
"Growing to Greatness"
Location of Hoffman Estates in Cook County, Illinois
Location of Hoffman Estates in Cook County, Illinois
Hoffman Estates is located in Chicago metropolitan area
Hoffman Estates
Hoffman Estates
 

Coordinates: 42°03′50″N 88°08′49″W / 42.06389°N 88.14694°W / 42.06389; -88.14694CountryUnited StatesStateIllinoisCountiesCookTownshipsSchaumburg, Palatine, Hanover, BarringtonIncorporated1959 (village)Government

 

 • MayorWilliam D. McLeod[citation needed] • Village ManagerEric J. Palm[citation needed]Area

[1]
 • Total

21.25 sq mi (55.03 km2) • Land21.07 sq mi (54.56 km2) • Water0.18 sq mi (0.47 km2)  0.86%Elevation

[2]

824 ft (251 m)Population

 (2020)
 • Total

52,530 • Density2,493.71/sq mi (962.82/km2)Zip Code

60169, 60010, 60192

Area code(s)847 / 224FIPS code17-35411GNIS feature ID2398519[2]Websitewww.hoffmanestates.org

Hoffman Estates is a village in Cook County, Illinois, United States. It is a suburb of Chicago. Per the 2020 census, the population was 52,530.[3]

The village previously served as the headquarters for Sears and is one of the American headquarters for Mori Seiki. Now Arena, home of the Windy City Bulls of the NBA G League is part of the village. Between 2006 and 2009, the village hosted the Heartland International Tattoo, one of the largest music and dance festivals of its kind in the Midwest.

History

[edit]
Sunderlage Farm Smokehouse[4](National Register of Historic Places) in Hoffman Estates

Prior to the 1940s, German settlers moved into the area west of Roselle Road and north of Golf Road, then known as Wildcat Grove. The area was sparsely populated until farmers purchased land in the area in the 1940s.

In 1954, Sam and Jack Hoffman, owners of a father-son owned construction company, bought 160 acres of land in the area.[5] The pair constructed homes and began the development of the region which now bears their name. As residents moved in, they voted to incorporate the area, and the Village of Hoffman Estates was incorporated on September 23, 1959.[6][5][7] In 1973, six former town officials, including mayors Edward F. Pinger (1959−1965) and Roy L. Jenkins (1965−1969) were indicted on bribery and tax charges.[8]

Once the Northwest Tollway opened, Schaumburg Township became more attractive to Chicago commuters. In the early 1960s, land annexations north of the tollway and in other neighboring regions more than doubled Hoffman Estates' land area.[9]

The opening of the Woodfield Mall in Schaumburg to the east in 1971 made the area a major business center. An attempt to change the name of the village to East Barrington, among other names, was made in the early 1980s but failed upon a residential vote.[10]

In the 1990s, the Prairie Stone Business Park began development. This 750-acre (3.0 km2) planned multi-purpose business park[11] is bounded by Illinois Route 59 on the east, Interstate 90 on the south, Illinois Route 72 on the north, and Beverly Road on the west. The business park came to fruition in 1993 when Sears, Roebuck and Company relocated from the Sears Tower in Chicago to a sprawling headquarters in the northwest part of Prairie Stone.[12][11] That was followed in by Indramat and Quest International, which in 1995 also opened facilities in the park.[13][14][15] Throughout the 1990s, a health and wellness center and child care facility were developed, as well as other smaller office buildings, and a branch of Northern Illinois University. Development of the business park is still ongoing, and recent additions in the 2000s include the 11,000-seat Now Arena; office buildings for Serta, WT Engineering, I-CAR, and Mary Kay; a Cabela's outdoor outfitters store; a 295-room Marriott hotel; and the 400,000-square-foot (37,000 m2) Poplar Creek Crossing Retail Center, which is anchored by Target and numerous other big-box retailers. Future development will include further office buildings and retail development, Sun Island Hotel and Water Park, an amphitheater, and restaurants.

In 2011, the Village of Hoffman Estates took over ownership of the Now Arena.[16] On June 23, 2020, the Village of Hoffman Estates approved an $11.5 million deal to rename the Sears Centre Arena to the "NOW Arena".[17]

In the fall of 2016, papers and artifacts from President Barack Obama's administration began to arrive in town, where they are being stored in a building on Golf Road. The site is their temporary home while construction takes place on the Barack Obama Presidential Center in Jackson Park, Chicago, and is not open to the public.[18]

In January 2020, the Centers for Disease Control and Prevention (CDC) confirmed the second U.S. case of COVID-19 in a Hoffman Estates resident. The patient, a woman in her 60s returning from Wuhan, China, was treated at St. Alexius Medical Center.[19] Her husband was later infected in the first case of human-to-human transmission of the SARS-CoV-2 virus in the United States.[20]

Geography

[edit]

According to the 2021 census gazetteer files, Hoffman Estates has a total area of 21.25 square miles (55.04 km2), of which 21.07 square miles (54.57 km2) (or 99.15%) is land and 0.18 square miles (0.47 km2) (or 0.85%) is water.[21]

Demographics

[edit]
Historical population
Census Pop. Note
1960 8,296  
1970 22,238   168.1%
1980 37,272   67.6%
1990 46,363   24.4%
2000 49,495   6.8%
2010 51,895   4.8%
2020 52,530   1.2%
U.S. Decennial Census[22]
2010[23] 2020[24]
Hoffman Estates village, Illinois – Racial and ethnic composition
Note: the US Census treats Hispanic/Latino as an ethnic category. This table excludes Latinos from the racial categories and assigns them to a separate category. Hispanics/Latinos may be of any race.
Race / Ethnicity (NH = Non-Hispanic) Pop 2000[25] Pop 2010[23] Pop 2020[24] % 2000 % 2010 % 2020
White alone (NH) 33,789 29,357 26,014 68.27% 56.57% 49.52%
Black or African American alone (NH) 2,141 2,393 2,472 4.33% 4.61% 4.71%
Native American or Alaska Native alone (NH) 54 60 69 0.11% 0.12% 0.13%
Asian alone (NH) 7,429 11,701 13,733 15.01% 22.55% 26.14%
Pacific Islander alone (NH) 10 4 2 0.02% 0.01% 0.00%
Other race alone (NH) 73 70 183 0.15% 0.13% 0.35%
Mixed race or Multiracial (NH) 801 1,013 1,579 1.62% 1.95% 3.01%
Hispanic or Latino (any race) 5,198 7,297 8,478 10.50% 14.06% 16.14%
Total 49,495 51,895 52,350 100.00% 100.00% 100.00%

As of the 2020 census[26] there were 52,530 people, 18,110 households, and 14,048 families residing in the village. The population density was 2,472.58 inhabitants per square mile (954.67/km2). There were 19,160 housing units at an average density of 901.86 per square mile (348.21/km2). The racial makeup of the village was 52.08% White, 26.26% Asian, 4.87% African American, 0.60% Native American, 0.02% Pacific Islander, 7.51% from other races, and 8.68% from two or more races. Hispanic or Latino of any race were 16.14% of the population.

There were 18,110 households, out of which 36.3% had children under the age of 18 living with them, 61.71% were married couples living together, 11.97% had a female householder with no husband present, and 22.43% were non-families. 18.07% of all households were made up of individuals, and 5.43% had someone living alone who was 65 years of age or older. The average household size was 3.16 and the average family size was 2.77.

The village's age distribution consisted of 23.1% under the age of 18, 7.3% from 18 to 24, 27.7% from 25 to 44, 28.3% from 45 to 64, and 13.5% who were 65 years of age or older. The median age was 38.2 years. For every 100 females, there were 97.6 males. For every 100 females age 18 and over, there were 96.4 males.

The median income for a household in the village was $92,423, and the median income for a family was $103,641. Males had a median income of $56,210 versus $42,288 for females. The per capita income for the village was $40,016. About 3.3% of families and 4.3% of the population were below the poverty line, including 4.9% of those under age 18 and 3.5% of those age 65 or over.

Economy

[edit]

Employers

[edit]

Many Japanese companies have their U.S. headquarters in Hoffman Estates and Schaumburg[27] but the largest employers in Hoffman Estates as of 2023[28] are:

No. Employer No. of employees
1 St. Alexius Medical Center 2,500
2 Siemens Medical Systems 400
3 Claire's[29] 400
4 Village of Hoffman Estates 370
5 FANUC America[30] 350
6 Vistex 350
7 Leopardo Companies, Inc. 300
8 Wells Fargo 300
9 The Salvation Army 270
10 Tate & Lyle 220

Education

[edit]

The village is served by several public school districts. The majority of residents who live in Schaumburg Township attend:

  • Township High School District 211 (9–12)[31]
  • Community Consolidated School District 54 (K–8)[32]

North Hoffman Estates (north of I-90) residents are served by:

  • Township High School District 211
  • Community Consolidated School District 15 (K–8)[33] (East of Huntington Blvd)
  • Barrington School District 220 (K–12) (Unit District) (West of Huntington Blvd).[34]

Residents west of Barrington Road primarily attend Unit School District, Elgin Area U46.

High schools

[edit]

Schools located in the Hoffman Estates village limits:

  • Hoffman Estates High School
  • James B. Conant High School

Other high schools in the same township high school district:

  • Schaumburg High School
  • William Fremd High School
  • Palatine High School

Community college

[edit]

Most of the village is served by Harper College Community College District 512.

Miscellaneous education

[edit]

The Xilin Northwest Chinese School (simplified Chinese: 希林西北中文学校; traditional Chinese: 希林西北中文學校; pinyin: XÄ«lín XÄ«bÄ›i Zhōngwén Xuéxiào) holds its classes at Conant High School in Hoffman Estates.[35] It serves grades preschool through 12.[36] The school predominately serves mainland Chinese families. In 2003 the school held its classes in Palatine High School in Palatine. In 2000 the school had served around 300 students. This figure increased almost by 100%, to almost 600 students. This made it one of the largest of the Chinese schools in the Chicago area.[37]

Library

[edit]
  • Barrington Area Library
  • Schaumburg Township District Library
  • Gail Borden Public Library District
  • Palatine Township Library

Sister city

[edit]

Hoffman Estates has one sister city:[38]

  • Angoulême, Charente, Nouvelle-Aquitaine, France

Transportation

[edit]

Pace provides bus service on multiple routes connecting Hoffman Estates to Elgin, Rosemont, and other destinations.[39]

Notable people

[edit]
  • Tammy Duckworth, U.S. Senator from Illinois (2016–present)[40]
  • Rob Valentino (b. 1985), former soccer player who is an assistant coach for Atlanta United[41]
  • William Beckett, lead singer of the band The Academy Is...

Notes

[edit]
  1. ^ "2020 U.S. Gazetteer Files". United States Census Bureau. Retrieved March 15, 2022.
  2. ^ a b U.S. Geological Survey Geographic Names Information System: Hoffman Estates, Illinois
  3. ^ "Hoffman Estates village, Illinois". United States Census Bureau. Retrieved April 15, 2022.
  4. ^ "The Sunderlage Smokehouse: Hoffman Eestates' National Register Landmark". History of Schaumburg Township: A Blog of the Schaumburg Township District Library. February 21, 2010. Retrieved March 3, 2017.
  5. ^ a b Collins, Catherine (August 24, 1986). "Hoffman Estates Plans a Revamp of Future Image". Chicago Tribune.
  6. ^ "Hoffman Estates, IL". The Encyclopedia of Chicago. Retrieved March 8, 2020.
  7. ^ "HR0614 96th General Assembly". State of Illinois.
  8. ^ Davis, Robert (October 27, 1973). "U.S. indicts builder, seven ex-officials in suburb bribe". Chicago Tribune.
  9. ^ "History of Hoffman Estates". Village of Hoffman Estates. Retrieved March 8, 2020.
  10. ^ "Name history of Hoffman Estates". Falcon Living. Retrieved November 26, 2017.
  11. ^ a b Sulski, Jim (May 11, 2000). "Versatile Network Brings Workers to Prairie Stone Business Park". Chicago Tribune.
  12. ^ Bernstein, David (May 16, 2020). "The Sears Headquarters Deal Cost Taxpayers $500 Million. 30 Years Later, There's Little to Show for It". ProPublica.
  13. ^ Russis, Martha (December 28, 1994). "PRAIRIE STONE GETS ELECTRONIC FIRM FOR TENANT". Chicago Tribune.
  14. ^ Kerch, Steve (October 30, 1994). "GETTING THE NOD". Chicago Tribune.
  15. ^ "Village of Hoffman Estates: History of Hoffman Estates". Hoffmanestates.com. Archived from the original on May 11, 2012. Retrieved April 30, 2012.
  16. ^ Manson, Ken (December 23, 2009). "Suburb takes over Sears Centre". Chicago Tribune.
  17. ^ Zumbach, Lauren (June 23, 2020). "Sears name disappearing from another Chicago-area building. Hoffman Estates arena gets a new name this fall". Chicago Tribune. Retrieved June 24, 2020.
  18. ^ Skiba, Katherine (October 21, 2016). "Military Soon to Start Moving Obama's Papers to Hoffman Estates". Chicago Tribune. Washington DC. Retrieved March 3, 2017.
  19. ^ "Coronavirus Confirmed In Chicago; Woman In Her 60s Being Treated For Symptoms". CBS Chicago. Chicago. January 24, 2020. Retrieved February 13, 2020.
  20. ^ Hauck, Grace (January 30, 2020). "Chicago man is first US case of person-to-person coronavirus spread". USA Today. Chicago. Retrieved February 13, 2020.
  21. ^ "Gazetteer Files". Census.gov. Retrieved June 29, 2022.
  22. ^ "Decennial Census of Population and Housing by Decades". US Census Bureau.
  23. ^ a b "P2 Hispanic or Latino, and Not Hispanic or Latino by Race – 2010: DEC Redistricting Data (PL 94-171) – Hoffman Estates village, Illinois". United States Census Bureau.
  24. ^ a b "P2 Hispanic or Latino, and Not Hispanic or Latino by Race – 2020: DEC Redistricting Data (PL 94-171) –Hoffman Estates village, Illinois". United States Census Bureau.
  25. ^ "P004: Hispanic or Latino, and Not Hispanic or Latino by Race – 2000: DEC Summary File 1 – Hoffman Estates village, Illinois". United States Census Bureau.
  26. ^ "Explore Census Data". data.census.gov. Retrieved June 28, 2022.
  27. ^ Selvam, Ashok. "Asian population booming in suburbs". Daily Herald (Arlington Heights, Illinois). March 6, 2011. Retrieved on June 19, 2013.
  28. ^ "Village of Hoffman Estates Comprehensive Annual Financial Report". June 25, 2024.
  29. ^ " FAQ Archived July 13, 2014, at the Wayback Machine." Claire's. Retrieved on December 25, 2011. "Claire’s Stores, Inc. has its investor relations and customer service located in Pembroke Pines , Florida . The buying, marketing and distribution offices are located in Hoffman Estates, a suburb of Chicago . Please visit Contact Us if you would like to send correspondence to our corporate headquarters."
  30. ^ "Village of Hoffman Estates Top Employers". Hoffmanestates.org. March 21, 2012. Archived from the original on April 22, 2012. Retrieved April 30, 2012.
  31. ^ "d211.org". d211.org. Archived from the original on May 4, 2012. Retrieved April 30, 2012.
  32. ^ "sd54.k12.il.us". sd54.k12.il.us. April 19, 2012. Archived from the original on February 1, 1998. Retrieved April 30, 2012.
  33. ^ "ccsd15.net". ccsd15.net. Retrieved April 30, 2012.
  34. ^ "cusd220.lake.k12.il.us". cusd220.lake.k12.il.us. Archived from the original on July 3, 2006. Retrieved April 30, 2012.
  35. ^ "School Location." Northwest Xilin Chinese School. Retrieved on February 24, 2014. "School Address 700 East Cougar Trail,Hoffman Estates,IL 60194 Located at Conant High School campus."
  36. ^ "About Us." Northwest Xilin Chinese School. Retrieved on February 24, 2014.
  37. ^ Ray, Tiffany. "Schools connect students to China." Chicago Tribune. March 2, 2003. Retrieved on February 24, 2014.
  38. ^ "Archived copy". Archived from the original on April 5, 2017. Retrieved April 4, 2017.cite web: CS1 maint: archived copy as title (link)
  39. ^ "RTA System Map" (PDF). Retrieved January 30, 2024.
  40. ^ "Endorsement: Duckworth for U.S. Senate". Daily Herald. October 8, 2022.
  41. ^ "Rob Valentino Biography". ESPN. Retrieved March 31, 2024.
[edit]
  • Village of Hoffman Estates official website

 

A disaster inspector at work in the United States assessing tornado damage to a house

A home inspection is a limited, non-invasive examination of the condition of a home, often in connection with the sale of that home. Home inspections are usually conducted by a home inspector who has the training and certifications to perform such inspections. The inspector prepares and delivers to the client a written report of findings. In general, home inspectors recommend that potential purchasers join them during their onsite visits to provide context for the comments in their written reports. The client then uses the knowledge gained to make informed decisions about their pending real estate purchase. The home inspector describes the condition of the home at the time of inspection but does not guarantee future condition, efficiency, or life expectancy of systems or components.

Sometimes confused with a real estate appraiser, a home inspector determines the condition of a structure, whereas an appraiser determines the value of a property. In the United States, although not all states or municipalities regulate home inspectors, there are various professional associations for home inspectors that provide education, training, and networking opportunities. A professional home inspection is an examination of the current condition of a house. It is not an inspection to verify compliance with appropriate codes; building inspection is a term often used for building code compliance inspections in the United States. A similar but more complicated inspection of commercial buildings is a property condition assessment. Home inspections identify problems but building diagnostics identifies solutions to the found problems and their predicted outcomes. A property inspection is a detailed visual documentation of a property's structures, design, and fixtures. Property Inspection provides a buyer, renter, or other information consumer with valuable insight into the property's conditions prior to purchase. House-hunting can be a difficult task especially when you can't seem to find one that you like. The best way to get things done is to ensure that there is a property inspection before buying a property.

North America

[edit]

In Canada and the United States, a contract to purchase a house may include a contingency that the contract is not valid until the buyer, through a home inspector or other agents, has had an opportunity to verify the condition of the property. In many states and provinces, home inspectors are required to be licensed, but in some states, the profession is not regulated. Typical requirements for obtaining a license are the completion of an approved training course and/or a successful examination by the state's licensing board. Several states and provinces also require inspectors to periodically obtain continuing education credits in order to renew their licenses.[citation needed] Unless specifically advertised as part of the home inspection, items often needed to satisfy mortgage or tile requirements such as termite ("pest") inspections must be obtained separately from licensed and regulated companies.

In May 2001, Massachusetts became the first state to recognize the potential conflict of interest when real estate agents selling a home also refer or recommend the home inspector to the potential buyer.[citation needed] As a result, the real estate licensing law in Massachusetts was amended[1][non-primary source needed] to prohibit listing real estate agents from directly referring home inspectors. The law also prohibits listing agents from giving out a "short" name list of inspectors. The only list that can be given out is the complete list of all licensed home inspectors in the state.

In September 2018, the California state legislature passed Senate Bill 721 (SB 721),[2] which requires buildings with specific conditions, such as having exterior elevated structures, to undergo inspections by licensed professionals. These inspections must be conducted by qualified individuals, such as structural engineering firms,[3] and a detailed report must be issued. Failure to comply with these requirements can result in penalties for property owners.

Ancillary services such as inspections for wood destroying insects, radon testing, septic tank inspections, water quality, mold, (or excessive moisture which may lead to mold), and private well inspections are sometimes part of home inspector's services if duly qualified.

In many provinces and states, home inspection standards are developed and enforced by professional associations, such as, worldwide, the International Association of Certified Home Inspectors (InterNACHI); in the United States, the American Society of Home Inspectors (ASHI), and the National Association of Home Inspectors (NAHI)(No Longer active 10/2017); and, in Canada, the Canadian Association of Home and Property Inspectors (CAHPI), the Professional Home & Property Inspectors of Canada (PHPIC) and the National Home Inspector Certification Council (NHICC).

Currently, more than thirty U.S. states regulate the home inspection industry in some form.

Canada saw a deviation from this model when in 2016 an association-independent home inspection standard was completed. This was developed in partnership with industry professionals, consumer advocates, and technical experts, by the Canadian Standards Association. The CAN/CSA A770-16 Home Inspection Standard was funded by three provincial governments with the intent to be the unifying standard for home inspections carried out within Canada. It is the only home inspection standard that has been endorsed by the Standards Council of Canada.

In Canada, there are provincial associations which focus on provincial differences that affect their members and consumers. Ontario has the largest population of home inspectors which was estimated in 2013 as part of a government survey at being around 1500.[4]

To date, Ontario Association of Certified Home Inspectors is the only association which has mandated that its members migrate to the CAN/CSA A770-16 Home Inspection Standard, with a date of migration set as February 28, 2020. Other national and provincial associations have set it as an option to be added to other supported standards.

In Canada, only Alberta and British Columbia have implemented government regulation for the home inspection profession. The province of Ontario has proceeded through the process, with the passage of regulatory procedure culminating in the Home Inspection Act, 2017 to license Home Inspectors in that province. It has received royal assent but is still awaiting the development of regulations and proclamation to become law.

In Ontario, there are two provincial Associations, OAHI (the Ontario Association of Home Inspectors) and OntarioACHI (the Ontario Association of Certified Home Inspectors). Both claim to be the largest association in the province. OAHI, formed by a private member's Bill in the Provincial Assembly, has the right in law to award the R.H.I. (Registered Home Inspector) designation to anyone on its membership register. The R.H.I. designation, however, is a reserved designation, overseen by OAHI under the Ontario Association of Home Inspectors Act, 1994. This Act allows OAHI to award members who have passed and maintained strict criteria set out in their membership bylaws and who operate within Ontario. Similarly, OntarioACHI requires equally high standards for the award of their certification, the Canadian-Certified Home Inspector (CCHI) designation. To confuse things, Canadian Association of Home and Property Inspectors (CAHPI) own the copyright to the terms Registered Home Inspector and RHI. Outside of Ontario, OAHI Members cannot use the terms without being qualified by CAHPI.

The proclamation of the Home Inspection Act, 2017, requires the dissolution of the Ontario Association of Home Inspectors Act, 1994, which will remove the right to title in Ontario of the RHI at the same time removing consumer confusion about the criteria for its award across Canada.

United Kingdom

[edit]

A home inspector in the United Kingdom (or more precisely in England and Wales), was an inspector certified to carry out the Home Condition Reports that it was originally anticipated would be included in the Home Information Pack.

Home inspectors were required to complete the ABBE Diploma in Home Inspection to show they met the standards set out for NVQ/VRQ competency-based assessment (Level 4). The government had suggested that between 7,500 and 8,000 qualified and licensed home inspectors would be needed to meet the annual demand of nearly 2,000,000 Home Information Packs. In the event, many more than this entered training, resulting in a massive oversupply of potential inspectors.

With the cancellation of Home Information Packs by the coalition Government in 2010, the role of the home inspector in the United Kingdom became permanently redundant.

Inspections of the home, as part of a real estate transaction, are still generally carried out in the UK in the same manner as they had been for years before the Home Condition Report process. Home Inspections are more detailed than those currently offered in North America. They are generally performed by a chartered member of the Royal Institution of Chartered Surveyors.

India

[edit]

The concept of home inspection in India is in its infancy. There has been a proliferation of companies that have started offering the service, predominantly in Tier-1 cities such as Bangalore, Chennai, Kolkata, Pune, Mumbai, etc. To help bring about a broader understanding among the general public and market the concept, a few home inspection companies have come together and formed the Home Inspection Association of India.[5]

After RERA came into effect, the efficacy and potency of home inspection companies has increased tremendously. The majority of homeowners and potential home buyers do not know what home inspection is or that such a service exists.

The way that home inspection is different in India[6] than in North America or United Kingdom is the lack of a government authorised licensing authority. Apart from the fact that houses in India are predominantly built with kiln baked bricks, concrete blocks or even just concrete walls (predominantly in high rise apartments) this means the tests conducted are vastly different. Most home inspection companies conduct non-destructive testing of the property, in some cases based on customer requirement, tests that require core-cutting are also performed.

The majority of homeowners are not aware of the concept of home inspection in India. The other issue is that the balance of power is highly tilted toward the builder; this means the home buyers are stepping on their proverbial toes, because in most cases, the home is the single most expensive purchase in their lifetime, and the homeowners do not want to come across as antagonising the builders.

Home inspection standards and exclusions

[edit]

Some home inspectors and home inspection regulatory bodies maintain various standards related to the trade. Some inspection companies offer 90-day limited warranties to protect clients from unexpected mechanical and structural failures; otherwise, inspectors are not responsible for future failures.[a] A general inspection standard for buildings other than residential homes can be found at the National Academy of Building Inspection Engineers.

Many inspectors may also offer ancillary services such as inspecting pools, sprinkler systems, checking radon levels, and inspecting for wood-destroying organisms. The CAN/CSA-A770-16 standard allows this (in-fact it demands swimming pool safety inspections as a requirement) and also mandates that the inspector be properly qualified to offer these. Other standards are silent on this.

Types of inspections

[edit]

Home buyers and home sellers inspections

[edit]

Home inspections are often used by prospective purchasers of the house in question, in order to evaluate the condition of the house prior to the purchase. Similarly, a home seller can elect to have an inspection on their property and report the results of that inspection to the prospective buyer.

Foreclosure inspection

[edit]

Recently foreclosed properties may require home inspections.

Four point inspection

[edit]

An inspection of the house's roof, HVAC, and electrical and plumbing systems is often known as a "four-point inspection", which insurance companies may require as a condition for homeowner's insurance.

Disaster inspection

[edit]

Home inspections may occur after a disaster has struck the house. A disaster examination, unlike a standard house inspection, concentrates on damage rather than the quality of everything visible and accessible from the roof to the basement.

Inspectors go to people's homes or work places who have asked for FEMA disaster aid.

Section 8 inspection

[edit]

In the United States, the federal and state governments provide housing subsidies to low-income people through the Section 8 program. The government expects that the housing will be "fit for habitation" so a Section 8 inspection identifies compliance with HUD's Housing Quality Standards (HQS).

Pre-delivery inspection

[edit]

An inspection may occur in a purchased house prior to the deal's closure, in what is known as a "pre-delivery" inspection.

Structural inspection

[edit]

The house's structure may also be inspected. When performing a structural inspection, the inspector will look for a variety of distress indications that may result in repair or further evaluation recommendations.

In the state of New York, only a licensed professional engineer or a registered architect can render professional opinions as to the sufficiency structural elements of a home or building.[11] Municipal building officials can also make this determination, but they are not performing home inspections at the time they are rendering this opinion. Municipal officials are also not required to look out for the best interest of the buyer. Some other states may have similar provisions in their licensing laws. Someone who is not a licensed professional engineer or a registered architect can describe the condition of structural elements (cracked framing, sagged beams/roof, severe rot or insect damage, etc.), but are not permitted to render a professional opinion as to how the condition has affected the structural soundness of the building.

Various systems of the house, including plumbing and HVAC, may also be inspected.[12]

Thermal imaging Inspection

[edit]

A thermal imaging inspection using an infrared camera can provide inspectors with information on home energy loss, heat gain/loss through the exterior walls and roof, moisture leaks, and improper electrical system conditions that are typically not visible to the naked eye. Thermal imaging is not considered part of a General Home Inspection because it exceeds the scope of inspection Standards of Practice.

Pool and spa inspection

[edit]

Inspection of swimming pools and spas is not considered part of a General Home Inspection because their inspection exceeds the scope of inspection Standards of Practice. However, some home inspectors are also certified to inspect pools and spas and offer this as an ancillary service.[13]

Tree health inspection

[edit]

Inspection of trees on the property is not considered part of a General Home Inspection because their inspection exceeds the scope of inspection Standards of Practice. This type of inspection is typically performed by a Certified Arborist and assesses the safety and condition of the trees on a property before the sales agreement is executed.[14]

Property inspection report for immigration

[edit]

The UKVI (United Kingdom Visa and Immigration) issued guidance on the necessity of ensuring that properties must meet guidelines so that visa applicants can be housed in properties which meet environmental and health standards. Part X of the Housing Act 1985 provides the legislative grounding for the reports - primarily to ensure that a property is not currently overcrowded, that the inclusion of further individuals as a result of successful visa applications - whether spouse visa, dependent visa, indefinite leave to remain or visitor visa, can house the applicants without the property becoming overcrowded. Reports are typically prepared by environmental assessors or qualified solicitors in accordance with HHSRS (Housing Health and Safety Rating Scheme). Property inspection reports are typically standard and breakdown the legal requirements.

Pre-Listing Home Inspection

[edit]

A pre-listing inspection focuses on all major systems and components of the house including HVAC, electrical, plumbing, siding, doors, windows, roof and structure. It's a full home inspection for the seller to better understand the condition of their home prior to the buyer's own inspection.

See also

[edit]
  • List of real estate topics
  • Real estate appraisal

Notes

[edit]
  1. ^ A general list of exclusions include but are not limited to: code or zoning violations, permit research, property measurements or surveys, boundaries, easements or right of way, conditions of title, proximity to environmental hazards, noise interference, soil or geological conditions, well water systems or water quality, underground sewer lines, waste disposal systems, buried piping, cisterns, underground water tanks and sprinkler systems. A complete list of standards and procedures for home inspections can be found at NAHI,[7] ASHI,[8] InterNACHI,[9] or IHINA[10] websites.

References

[edit]
  1. ^ "General Laws: CHAPTER 112, Section 87YY1/2". Malegislature.gov. Archived from the original on 2012-04-27. Retrieved 2012-05-29.
  2. ^ "SB 721- CHAPTERED". leginfo.legislature.ca.gov. Retrieved 2025-02-13.
  3. ^ "SB721 Inspection California | DRBalcony". 2024-09-12. Retrieved 2025-02-13.
  4. ^ http://www.ontariocanada.com/registry/showAttachment.do?postingId=14645&attachmentId=22811 Archived 2017-06-27 at the Wayback Machine [bare URL PDF]
  5. ^ "Home Inspection Association of India". Archived from the original on 2019-09-07. Retrieved 2019-08-30.
  6. ^ "End-to-End Expert Property Inspection Services". Archived from the original on 2022-08-26. Retrieved 2022-08-26.
  7. ^ "NAHI". Archived from the original on 1998-01-29. Retrieved 2011-02-05.
  8. ^ "ASHI". Archived from the original on 2008-05-09. Retrieved 2009-12-11.
  9. ^ "InterNACHI". Archived from the original on 2010-08-30. Retrieved 2010-08-27.
  10. ^ "IHINA". Archived from the original on 2012-01-07. Retrieved 2012-02-09.
  11. ^ "NYS Professional Engineering & Land Surveying:Laws, Rules & Regulations:Article 145". www.op.nysed.gov. Archived from the original on 2018-02-27. Retrieved 2018-04-04.
  12. ^ "Material Defects & Useful Remaining Life of Home Systems". Archived from the original on 2019-02-02. Retrieved 2019-02-01.
  13. ^ "InterNACHI's Standards of Practice for Inspecting Pools & Spas - InterNACHI". www.nachi.org. Archived from the original on 2019-03-21. Retrieved 2019-04-09.
  14. ^ "Property Inspection Report | From £80". Property Inspection Report - Immigration & Visa. Archived from the original on 2022-05-19. Retrieved 2022-05-12.

 

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Sarah McNeily

(5)

USS was excellent. They are honest, straightforward, trustworthy, and conscientious. They thoughtfully removed the flowers and flower bulbs to dig where they needed in the yard, replanted said flowers and spread the extra dirt to fill in an area of the yard. We've had other services from different companies and our yard was really a mess after. They kept the job site meticulously clean. The crew was on time and friendly. I'd recommend them any day! Thanks to Jessie and crew.

Jim de Leon

(5)

It was a pleasure to work with Rick and his crew. From the beginning, Rick listened to my concerns and what I wished to accomplish. Out of the 6 contractors that quoted the project, Rick seemed the MOST willing to accommodate my wishes. His pricing was definitely more than fair as well. I had 10 push piers installed to stabilize and lift an addition of my house. The project commenced at the date that Rick had disclosed initially and it was completed within the same time period expected (based on Rick's original assessment). The crew was well informed, courteous, and hard working. They were not loud (even while equipment was being utilized) and were well spoken. My neighbors were very impressed on how polite they were when they entered / exited my property (saying hello or good morning each day when they crossed paths). You can tell they care about the customer concerns. They ensured that the property would be put back as clean as possible by placing MANY sheets of plywood down prior to excavating. They compacted the dirt back in the holes extremely well to avoid large stock piles of soils. All the while, the main office was calling me to discuss updates and expectations of completion. They provided waivers of lien, certificates of insurance, properly acquired permits, and JULIE locates. From a construction background, I can tell you that I did not see any flaws in the way they operated and this an extremely professional company. The pictures attached show the push piers added to the foundation (pictures 1, 2 & 3), the amount of excavation (picture 4), and the restoration after dirt was placed back in the pits and compacted (pictures 5, 6 & 7). Please notice that they also sealed two large cracks and steel plated these cracks from expanding further (which you can see under my sliding glass door). I, as well as my wife, are extremely happy that we chose United Structural Systems for our contractor. I would happily tell any of my friends and family to use this contractor should the opportunity arise!

Chris Abplanalp

(5)

USS did an amazing job on my underpinning on my house, they were also very courteous to the proximity of my property line next to my neighbor. They kept things in order with all the dirt/mud they had to excavate. They were done exactly in the timeframe they indicated, and the contract was very details oriented with drawings of what would be done. Only thing that would have been nice, is they left my concrete a little muddy with boot prints but again, all-in-all a great job

Dave Kari

(5)

What a fantastic experience! Owner Rick Thomas is a trustworthy professional. Nick and the crew are hard working, knowledgeable and experienced. I interviewed every company in the area, big and small. A homeowner never wants to hear that they have foundation issues. Out of every company, I trusted USS the most, and it paid off in the end. Highly recommend.

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