28 Mar Checklist and Narrative Reports for Home Inspections

In the early years of the home inspection industry, home inspection reports consisted of a simple checklist, or a one- or two-page narrative report. Be wary of inspection companies still using checklist reports.

Checklist reports are just that; very little is actually written. The report is a series of boxes with short descriptions after them. Descriptions are often abbreviated, and might consist of only two or three words, such as “peeling paint.” The entire checklist might only be four or five pages long. Today, some inspection legal agreements are almost that long!

Because of the lack of detailed information, checklist reports leave a lot open to interpretation, so that buyers, sellers, agents, contractors, attorneys and judges may each interpret the information differently, depending on their motives.

In the inspection business, phrases that describe conditions found during an inspection are called “narratives.”  Narrative reports use reporting language that more completely describes each condition. Descriptions are not abbreviated.

Both checklist and narrative reports are still in use today, although many jurisdictions are now beginning to ban checklist reports because the limited information they offer has resulted in legal problems.

From the standpoint of liability, narrative reports are widely considered safer, since they provide more information and state it more clearly.

Many liability issues and problems with the inspection process are due to misunderstandings about what was to be included in the report, or about what the report says.

For example, in 2002, an investor bought a 14-unit hotel in California.  The six-page narrative report mentioned that flashing where the second-story concrete walkway met the building was improperly installed, and the condition could result in wood decay. Four years later, the investor paid out almost $100,000 to demolish and replace the entire upper walkway. In some places, it was possible to push a pencil through support beams.

Although the inspector’s report had mentioned the problem, it hadn’t made clear the seriousness of the condition, or the possible consequences of ignoring it. Today, a six-page report would be considered insufficient for a small house.

Narrative Content

Narrative Reports typically consists of three parts:

1. a description of a condition of concern;
2. a sentence or paragraph describing how serious the condition is, and the potential ramifications, answering questions such as, “Is it now stable, or will the problem continue?” or “Will it burn down the house?” and “When?”; and
3. a recommendation. Recommendations may be for specific actions to be taken, or for further evaluation, but they should address problems in such a way that the reader of the report will understand how to proceed.

“Typically” is a key word here. Some narratives may simply give the ampacity of the main electrical disconnect. There is no need for more than one sentence. Different inspectors would include what they think is necessary.

In conclusion, for consumers to have realistic expectations about what information will be included in the home inspection report, follow these tips:

• Read the Standards of Practice
• Read the Contract
• Request a sample Inspection Report
• Talk with the inspector

If you need to schedule a home inspection or have questions please contact us at 941-779-7170 or click here to email us.