Articles

Home Inspector Insurance Renewal: What You Need to Know

April 27, 2026

Home Inspector Insurance Requirements, Uncategorized

Renewal season tends to sneak up on home inspectors. You’ve been focused on running your business, scheduling inspections, managing reports, building referral relationships, and then a renewal notice arrives in your inbox with a deadline. Many inspectors simply click “renew” without reviewing their policy. Others let the renewal slip past due date and end up…

Do Home Inspectors Need Both E&O and GL Insurance?

April 23, 2026

Home Inspector News

When home inspectors start researching insurance, the same question comes up almost every time: Do I really need both E&O and General Liability, or will one cover everything? It’s a fair question. The two policy types sound similar, and carrying both feels like paying twice for the same protection. But they cover fundamentally different risks,…

General Liability vs. Errors & Omissions Insurance for Home Inspectors

March 20, 2026

Home Inspector Insurance Requirements

Home inspectors face significant liability risks during inspections. Even when an inspection is thorough, a missed defect or accidental damage can lead to costly claims. Regardless of how careful an inspector is, they may still be held accountable if a buyer believes something important was overlooked. Two of the most important insurance policies for inspectors…

Termite Insurance Coverage for Home Inspectors

February 19, 2026

Ancillary Inspection Services

Termites are a worst-case-scenario situation for most homeowners. They can stay well hidden and are difficult to diagnose; by the time they are found, they can already have inflicted devastating damage on a home and its integrity, plus left the inspector with a lawsuit summons and an upset client. Importance of Termite Damage Insurance Coverage…

Home Inspection Warranty Pricing Strategy: Charge More or Offer an Upgrade?

February 18, 2026

Inspection Warranty

As a home inspector, offering added value is key to standing out in a competitive market. A thoughtful home inspection warranty strategy not only enhances buyer confidence but also positions your services as the industry’s gold standard. One of the most effective ways to differentiate your services, and increase revenue, is by including or offering…

How to Handle Home Inspection Claims by Your Clients

January 21, 2026

Home Inspector News

Home inspection claims can happen even to the most careful inspectors. Understanding how to respond quickly—and knowing how your insurance coverage protects you—can make the difference between a resolved complaint and a costly claim. At EliteMGA, we believe claims prevention is just as important as claims management. That’s why EliteMGA, Inspector Claim Management (ICM), and…

Retroactive Insurance Explained For Home Inspectors

January 21, 2026

Home Inspector Insurance Requirements

All professionals are open to insurance claims, especially home inspectors. Ensuring your business is properly protected with Errors & Omissions (E&O) insurance is essential. Some claims may not be reported until months—or even years—after an inspection, which means home inspectors often need more than just an active policy. This is where retroactive insurance coverage…

Risk Management for Home Inspectors

September 23, 2025

Home Inspector Information, Home Inspector Insurance Requirements

Home inspectors play a vital role in real estate transactions by helping buyers and sellers make informed decisions. However, with this responsibility comes significant risk. A small oversight, a miscommunication, or even a client misunderstanding can quickly turn into a claim or lawsuit. That’s why risk management for home inspectors is essential—not just for…

Why Should Inspectors Offer An Inspection Warranty?

September 5, 2025

Inspection Warranty

The home-buying process is a whirlwind of emotions and anxieties. For the buyer, the biggest concern often lies in the unseen: what potential problems lurk beneath the surface of their dream home? Home inspectors, like you, are the heroes in this scenario, wielding their expertise to uncover hidden issues and guide buyers toward informed decisions.…

Top Claims Against Home Inspectors

September 4, 2025

Home Inspector News

Home inspectors face unique liability risks on nearly every job. There are several common liability claims against home inspectors, including: Roofing Damage Mold Problematic Plumbing Defects in the Foundation Water Damage Power issues HVAC Failure Termite Damage Flashing Failure These mistakes can lead to costly lawsuits, unhappy clients, and damage to your professional reputation. In…

Inspecting a Home Again: What Home Inspectors Should Know

June 30, 2025

Home Inspector Information

As a seasoned home inspector, you’ve likely encountered situations where you’re asked to re-inspect a home you’ve previously assessed. While seemingly straightforward, these scenarios present unique challenges and liability risks that demand careful navigation. It’s not just about glancing at previous fixes; it’s about understanding the legal, ethical, and practical implications of revisiting a property.…

Why Home Inspections are Important for Home Buyers

June 18, 2025

Home Inspector Information

Buying a home is one of the most significant investments you’ll ever make. While it’s an exciting journey, it also comes with challenges and uncertainties. Understanding the importance of home inspection is crucial in ensuring your investment is secure. This essential process offers valuable insight, helping you make informed decisions and protect your financial future.…

How to Grow Your Home Inspector Business: 9 Proven Marketing Tips for Inspectors

April 18, 2025

Home Inspector Information

Congratulations—you’ve launched your home inspection company and taken the first step toward a profitable career. Now it’s time to grow your business, attract clients, and protect yourself with the right insurance. As EliteMGA, we specialize in insurance designed by inspectors for inspectors. With our in-house carrier, EliteRE, inspection warranties, and expert team, we help…

Supreme Court of Alabama Sets the Standard for Proving Claims Against Home Inspectors

February 27, 2025

Home Inspector Information

The Professional Nature of Home Inspections Home inspection is a profession, not a service. It requires training, experience, and skill to be a professional inspector. While not every state requires licensing, all home inspections are a professional service performed using a recognizable standard of practice. In some states the standard is a statute or regulation…

Step-by-Step Guide to Taking Home Inspection Pictures

February 17, 2025

Home Inspector News

Claims against home inspectors can and do happen. Therefore it is important to protect yourself with proper home inspection pictures. Taking photos is the most direct way of capturing evidence in response to a claim made against your home inspection work. Additionally, you can use these photos in your inspection report as references to point…