Residential and Commercial
Personal and Commercial Lines
Key Inspection Focus Areas
In today’s market, whether buying a home or commercial property, the decision goes beyond location and price. It’s crucial to evaluate the property for issues that could affect its value, safety, and livability, as well as ensure it meets insurance requirements, since coverage availability and costs impact long-term affordability. Our inspection services always start with a focus on the following:
Structural System
The foundation, framing, and overall structure of a building form its backbone. We check for cracks, settlement, or signs of deterioration that could compromise stability. In both residential and commercial properties, structural deficiencies may indicate past water intrusion, seismic activity, or poor construction practices, all of which can lead to costly repairs or unsafe conditions.
Roofing System
A property’s roof serves as the first line of defense against the elements. We inspect roofing materials, drainage systems, flashing, and signs of leaks or damage. A failing roof can lead to extensive interior damage, mold growth, and compromised insulation, making it a significant factor in both real estate transactions and insurance risk evaluations.
Plumbing System
Water supply lines, drainage systems, and fixtures must function properly to prevent leaks, water damage, or contamination. We look for outdated materials, corrosion, and pressure issues. Faulty plumbing can lead to structural damage, mold growth, and increased insurance claims, making it a critical component of any inspection.
Electrical System
Electrical panels, wiring, outlets, and grounding must be evaluated for safety and efficiency. Older or improperly installed wiring poses a fire hazard, while overloaded circuits can lead to system failures. Insurance companies pay close attention to electrical conditions, as fire hazards due to outdated systems are a major liability concern.
HVAC System
Heating and cooling systems affect energy efficiency, comfort, and air quality. We check for signs of wear, improper installation, or inefficiencies that may lead to high energy costs or failure during extreme weather conditions. For insurance purposes, well-maintained HVAC systems reduce the risk of fire and water damage from malfunctioning components.
Safety & Code Compliance
Fire safety, emergency exits, smoke and carbon monoxide detectors, and compliance with building codes are essential for the safety of all occupants, whether in homes or commercial buildings. In larger buildings, additional safety features like sprinkler systems and emergency lighting must be fully operational. Insurance companies assess these factors in all types of properties to determine liability risks and potential claims.
At Home State Inspections LLC, we follow the highest industry standards to provide thorough and reliable inspections. Our team adheres to both the InterNACHI Standard of Practice (SOP) for residential inspections and the CCPIA Commercial Standards of Practice (ComSOP) for commercial properties. Whether you’re a homebuyer, investor, or insurance provider, we deliver detailed assessments to help you make informed decisions. Trust us for professional, compliant, and comprehensive inspections every time.
Types of Properties We Inspect
Residential Properties
- Single-Family Homes
- Townhomes
- Condominiums
- Multi-Family Homes (duplexes, triplexes, fourplexes)
- Vacation Homes
- New Construction
Commercial Properties
- Office buildings
- Retail Spaces (shopping centers, storefronts)
- Industrial Warehouses
- Multifamily Residential Buildings (apartments, condos)
- Restaurants and Food Service Facilities
- Hospitality Properties (hotels, motels)
Protect your home and wallet with a professional property inspection
Uncover problems before they cost you thousands!