Below is a list of what you might check before making an offer. If your offer has an inspection contingency, items from this list can be checked after the offer is accepted.
- Roof – Type & Age. Determine the type of roof and either its age, or estimated age from a roof inspection. Older roofs may need replacement soon, and many insurance companies place restrictions or higher premiums on certain roof types and roof ages.
- HVAC System – Heating & Air Conditioning. Confirm the age and condition of the heating and cooling system. Replacement can be expensive, and an inefficient system can lead to higher utility costs and comfort issues.
- Plumbing Type. Determine the type of plumbing pipes used in the home. Older galvanized pipes or certain outdated materials can corrode over time, restrict water flow, and eventually require costly replacement.
- Sewer or Septic System. If the home is connected to city sewer, a sewer scope inspection can reveal roots, cracks, or blockages in the line. For homes on septic systems, verify the age, maintenance history, and condition.
- Electrical System & Panel. Older electrical panels or outdated wiring may need upgrades to meet modern safety standards and handle today’s electrical loads.
- Windows & Insulation. Older single-pane windows can affect comfort and energy efficiency.
- Drainage & Grading. Poor grading, standing water, or drainage issues can lead to moisture problems around the foundation and under the home.
- Foundation & Structural Clues. Look for signs such as large cracks, uneven floors, or doors that don’t close properly. These may indicate structural movement that should be evaluated.
- Insurance Considerations. In addition to the roof type and age, older wiring, plumbing types, wildfire exposure, and prior insurance claims (especially recent water claims) – can affect a home’s insurability and cost of coverage.
- Deferred Maintenance. Peeling paint, worn caulking, broken fixtures, or neglected landscaping can signal that other maintenance items have been overlooked.