The Costco Connection

Outside

; Poor drainage. Improper water drainage can lead to foundation problems, rot and mold.

; Cracks in the foundation and window perimeters that allow water into wall cavities.

; Aged or improperly installed roofing. You may want to have a licensed roofer inspect it.

; Uneven pavement, cracked steps and loose handrails on steps.

Inside

; Insufficient or out-of-date wiring (exposed, knob and tube, or wiring less than 100 amps).

; Poor ventilation can equate to excess moisture damaging interior walls and structural elements.

; Rusty, old or incompatible plumbing or piping that failed a pressure test or was not tested.

; Mold or fungus in the house or signs of prior water damage.

Attic or crawl space

; Damage to trusses or rafters from shifting.

; Improper insulation. Too much insulation can restrict airflow, and insulation placed too close to electrical fixtures (e.g., recessed lights) can be a fire hazard.

; Water damage to floorboards, vents or the chimney.

Basement

; Water stains down walls. This can indicate a leaky basement when storms roll through.

; A faulty HVAC system. HVAC systems can cost thousands of dollars to replace.

; Pencil-like termite tubes along joists.

One of the most important steps for potential homebuyers in the process is the inspection. Ameriprise Auto & Home Insurance advises that before you buy a property, ask your home inspector if any of these issues are present.

If your home inspector finds any of these conditions, ask these three things: Some of these conditions may make the home uninsurable. Talk with your home insurance company. You may be able to ask the existing home-owner to make repairs as part of your offer. For more helpful tips, or to get a quote from Ameriprise Auto & Home Insurance, visit Ameriprise.com/costcomembers.

Inspection red flags: Now what?

Home inspection checklist Know the property’s condition before you buy SOURCE: HOME INSPECTION COSTS” ( HOMEADVISOR.COM, JANUARY 16, 2014), “COMMON PROBLEMS FOUND DURING HOME INSPECTIONS” ( HGTV.COM, JANUARY 16, 2014)

What is the extent of the damage?

Can the damage be corrected?

What would it cost to fix?

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