3 mistakes home buyers should avoid.  When it comes time to buy a home here are 3 mistakes home buyers should avoid.

Mistake #1: Thinking you can’t afford it.

Many people who thought that buying the home they wanted was simply out of their reach are now enjoying a new lifestyle in their very own homes.Buying a home is the smartest financial decision you will ever make. In fact, most homeowners would be broke at retirement if it wasn’t for one saving grace — the equity in their homes. Furthermore, tax allowances favor home ownership.

Real estate values have always risen steadily. Of course, there are peaks and valleys, but the long-term trend is a consistent increase. This means that every month when you make a mortgage payment, the amount that you owe on the home goes down and the value typically increases. This “owe less, worth more” situation is called equity build-up and is the reason you can’t afford not to buy.

Even if you have little money for a down payment or credit problems, chances are that you can still buy that new home. It just comes down to knowing the right strategies, and working with the right people. See below.

  certified professional inspector

Mistake #2: Not hiring a buyer’s agent to represent you.

Buying property is a complex and stressful task. In fact, it is often the biggest, single investment you will make in your lifetime. At the same time, real estate transactions have become increasingly complicated. New technology, laws, procedures, and competition from other buyers require buyer agents to perform at an ever-increasing level of competence and professionalism. In addition, making the wrong decisions can end up costing you thousands of dollars. It doesn’t have to be this way!

Work with a buyer’s agent who has a keen understanding of the real estate business and the local market. A buyer’s agent has a fiduciary duty to you. That means that he or she is loyal only to you and is obligated to look out for your best interests. A buyer’s agent can help you find the best home, the best lender, and the best home inspector in your area. That inspector should be an InterNACHI-certified home inspector because InterNACHI inspectors are the most qualified and best-trained inspectors in the world.

Trying to buy a home without an agent or a qualified inspector is, well… unthinkable.

Mistake #3: Getting a cheap inspection.
Buying a home is probably the most expensive purchase you will ever make. This is no time to shop for a cheap inspection. The cost of a home inspection is small relative to the value of the home being inspected. The additional cost of hiring a certified inspector is almost insignificant by comparison. As a home buyer, you have recently been crunching the numbers, negotiating offers, adding up closing costs, shopping for mortgages, and trying to get the best deals. Don’t stop now! Don’t let your real estate agent, a “patty-cake” inspector, or anyone else talk you into skimping here.

InterNACHI front-ends its membership requirements. InterNACHI turns down more than half the inspectors who want to join because they can’t fulfill the membership requirements.

InterNACHI-certified inspectors perform the best inspections, by far.  InterNACHI-certified inspectors earn their fees many times over.  They do more, they deserve more and — yes — they generally charge a little more.  Do yourself a favor…and pay a little more for the quality inspection you deserve. This article is from InterNACHI and can be found at https://www.nachi.org/3.htm.

Red Horse Home Inspection is proud to service the Black Hills of South Dakota including Rapid City, Black Hawk, Piedmont, Sturgis, Whitewood, Belle Fourche, Spearfish, Deadwood, Lead, Custer, Hot Springs, Hill City, Keystone, Hermosa, Box Elder, and surrounding area.  Schedule you home inspection today.
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Electricity is an essential part of our lives. However, it has the potential to cause great harm. Electrical systems will function almost indefinitely, if properly installed and not overloaded or physically abused. Electrical fires in our homes claim the lives of 485 Americans each year and injure 2,305 more. Some of these fires are caused by electrical system failures and appliance defects, but many more are caused by the misuse and poor maintenance of electrical appliances, incorrectly installed wiring, and overloaded circuits and extension cords.

Some safety tips to remember:
  • Never use anything but the proper fuse to protect a circuit. 
  • Find and correct overloaded circuits.
  • Never place extension cords under rugs.
  • Outlets near water should be GFCI-type outlets.
  • Don’t allow trees near power lines to be climbed.
  • Keep ladders, kites, equipment and anything else away from overhead power lines.
Electrical Panels
Electricity enters the home through a control panel and a main switch where one can shut off all the power in an emergency. These panels are usually located in the basement. Control panels use either fuses or circuit breakers. Install the correct fuses for the panel. Never use a higher-numbered fuse or a metallic item, such as a penny. If fuses are used and there is a stoppage in power, look for the broken metal strip in the top of a blown fuse. Replace the fuse with a new one marked with the correct amperage. Reset circuit breakers from “off” to “on.” Be sure to investigate why the fuse or circuit blew. Possible causes include frayed wires, overloaded outlets, or defective appliances. Never overload a circuit with high-wattage appliances. Check the wattage on appliance labels. If there is frayed insulation or a broken wire, a dangerous short circuit may result and cause a fire. If power stoppages continue or if a frayed or broken wire is found, contact an electrician.
Outlets and Extension Cords
Make sure all electrical receptacles or outlets are three-hole, grounded outlets. If there is water in the area, there should be a GFCI or ground-fault circuit interrupter outlet. All outdoor outlets should be GFCIs. There should be ample electrical capacity to run equipment without tripping circuit breakers or blowing fuses. Minimize extension cord use. Never place them under rugs. Use extension cords sparingly and check them periodically. Use the proper electrical cord for the job, and put safety plugs in unused outlets.

Electrical Appliances

Appliances need to be treated with respect and care. They need room to breathe. Avoid enclosing them in a cabinet without proper openings, and do not store papers around them. Level appliances so they do not tip. Washers and dryers should be checked often. Their movement can put undue stress on electrical connections. If any appliance or device gives off a tingling shock, turn it off, unplug it, and have a qualified person correct the problem. Shocks can be fatal. Never insert metal objects into appliances without unplugging them. Check appliances periodically to spot worn or cracked insulation, loose terminals, corroded wires, defective parts and any other components that might not work correctly. Replace these appliances or have them repaired by a person qualified to do so.
Electrical Heating Equipment
Portable electrical heating equipment may be used in the home as a supplement to the home heating system. Caution must be taken when using these heating supplements. Keep them away from combustibles, and make sure they cannot be tipped over. Keep electrical heating equipment in good working condition. Do not use them in bathrooms because of the risk of contact with water and electrocution. Many people use electric blankets in their homes. They will work well if they are kept in good condition. Look for cracks and breaks in the wiring, plugs and connectors. Look for charred spots on both sides. Many things can cause electric blankets to overheat. They include other bedding placed on top of them, pets sleeping on top of them, and putting things on top of the blanket when it is in use. Folding the blankets can also bend the coils and cause overheating.
Children
Electricity is important to the workings of the home, but can be dangerous, especially to children. Electrical safety needs to be taught to children early on. Safety plugs should be inserted in unused outlets when toddlers are in the home. Make sure all outlets in the home have face plates. Teach children not to put things into electrical outlets and not to chew on electrical cords. Keep electrical wiring boxes locked. Do not allow children to come in contact with power lines outside. Never allow them to climb trees near power lines, utility poles or high tension towers.
Electricity and Water
A body can act like a lightning rod and carry the current to the ground. People are good conductors of electricity, particularly when standing in water or on a damp floor. Never use any electrical appliance in the tub or shower. Never touch an electric cord or appliance with wet hands. Do not use electrical appliances in damp areas or while standing on damp floors. In areas where water is present, use outlets with GFCIs. Shocks can be fatal.
Animal Hazards
Mice and other rodents can chew on electrical wires and damage them. If rodents are suspected or known to be in the home, be aware of the damage they may cause, and take measures to get rid of them.
Outside Hazards
There are several electrical hazards outside the home. Be aware of overhead and underground power lines. People have been electrocuted when an object they are moving has come in contact with the overhead power lines. Keep ladders, antennae, kites and poles away from power lines leading to the house and other buildings. Do not plant trees, shrubs or bushes under power lines or near underground power lines. Never build a swimming pool or other structure under the power line leading to your house. Before digging, learn the location of underground power lines.
Do not climb power poles or transmission towers. Never let anyone shoot or throw stones at insulators. If you have an animal trapped in a tree or on the roof near electric lines, phone your utility company. Do not take a chance of electrocuting yourself. Be aware of weather conditions when installing and working with electrical appliances. Never use electrical power tools or appliances with rain overhead or water underfoot. Use only outdoor lights, fixtures and extension cords. Plug into outlets with a GFCI. Downed power lines are extremely dangerous. If you see a downed power line, call the electric company, and warn others to stay away. If a power line hits your car while you are in it, stay inside unless the car catches fire. If the car catches fire, jump clear without touching metal and the ground at the same time.
MORE SAFETY PRECAUTIONS :
  • Routinely check your electrical appliances and wiring.
  • Hire an InterNACHI inspector. InterNACHI inspectors must pass rigorous safety training and are knowledgeable in the ways to reduce the likelihood of electrocution.
  • Frayed wires can cause fires. Replace all worn, old and damaged appliance cords immediately.
  • Use electrical extension cords wisely and don’t overload them.
  • Keep electrical appliances away from wet floors and counters; pay special care to electrical appliances in the bathroom and kitchen.
  • Don’t allow children to play with or around electrical appliances, such as space heaters, irons and hair dryers.
  • Keep clothes, curtains and other potentially combustible items at least 3 feet from all heaters.
  • If an appliance has a three-prong plug, use it only in a three-slot outlet. Never force it to fit into a two-slot outlet or extension cord.
  • Never overload extension cords or wall sockets. Immediately shut off, then professionally replace, light switches that are hot to the touch, as well as lights that flicker. Use safety closures to childproof electrical outlets.
  • Check your electrical tools regularly for signs of wear. If the cords are frayed or cracked, replace them. Replace any tool if it causes even small electrical shocks, overheats, shorts out or gives off smoke or sparks.
In summary, household electrocution can be prevented by following the tips offered in this guide and by hiring an InterNACHI inspector.https://www.nachi.org/electric.htm
Red Horse Home Inspection in proud to service the Black Hills of South Dakota including Rapid City, Black Hawk, Piedmont, Sturgis, Spearfish, Deadwood, Lead, Custer, Hot Springs, Keystone, Hill City, Hermosa, Box Elder, and surrounding areas.  Schedule your home inspection with us today.
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Buying a home? It’s probably the most expensive purchase you’ll ever make. This is no time to shop for a cheap home inspection. The cost of a home inspection is very small relative to the value of the home being inspected. The additional cost of hiring an InterNACHI-Certified Professional Inspector® is almost insignificant.  Choosing the right home inspector can be tough with all of your options out there.

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You have recently been crunching the numbers, negotiating offers, adding up closing costs, shopping for mortgages, and trying to get the best deals. Don’t stop now. Don’t let your real estate agent, a “patty-cake” inspector, or anyone else talk you into skimping here.  InterNACHI-certified inspectors  perform the best inspections by far. 

InterNACHI-certified inspectors earn their fees many times over. They do more, they deserve more, and — yes — they generally charge a little more. Do yourself a favor… and pay a little more for the quality inspection you deserve.

The licensing of home inspectors only sets a minimum standard. Much like being up to code, any less would be illegal.  Imaginary people, children, psychics (who claim to “sense” if a house is OK) and even pets can theoretically be home inspectors.  InterNACHI, the International Association of Certified Home Inspectors, front-ends its membership requirements.

InterNACHI inspectors:

  • have to pass InterNACHI’s Online Inspector Examination, and re-take and pass it every three years (it’s free and open to everyone, and free to re-take);
  • have to complete InterNACHI’s online Code of Ethics Course (free to take after joining, and self-paced);
  • have to take InterNACHI’s online Standards of Practice Course (free to take after joining, and self-paced);
  • must submit a signed Membership Affidavit;
  • substantially adhere to InterNACHI’s Standards of Practice;
  • abide by InterNACHI’s Code of Ethics;
  • have to submit four mock inspection reports to InterNACHI’s Report Review Committee (for free) before performing their first paid home inspection for a client if the candidate has never performed a fee-paid home inspection previously;
  • within the first year of membership, have to successfully pass the following free online, accredited, and self-paced courses and exams:
    • InterNACHI’s “Safe Practices for the Home Inspector” course,
    • InterNACHI’s “25 Standards Every Inspector Should Know” course,
    • InterNACHI’s “Residential Plumbing Overview for Inspectors” course,
    • InterNACHI’s “How to Perform Residential Electrical Inspections” course,
    • InterNACHI’s “How to Perform Roof Inspections” course,
    • InterNACHI’s “How to Inspect HVAC Systems” course,
    • InterNACHI’s “Structural Issues for Home Inspectors” course,
    • InterNACHI’s “How to Perform Exterior Inspections” course,
    • InterNACHI’s “How to Inspect the Attic, Insulation, Ventilation and Interior” course,
    • InterNACHI’s “How to Perform Deck Inspections” course,
    • InterNACHI’s “How to Inspect for Moisture Intrusion” course, and
    • InterNACHI’s “How to Inspect Fireplaces, Stoves, and Chimneys” course.
  • have to pursue inspection-related training by taking 24 hours of additional accredited Continuing Education each year;
  • have to maintain their Online Continuing Education Log (free), per InterNACHI’s rigorous Continuing Education policy;
  • have access to InterNACHI’s Message Board for exchanging information and tips with colleagues and experts;
  • have access to InterNACHI’s “What’s New” section so that they can keep up with the latest news and events in the inspection industry;
  • have access to InterNACHI’s time-tested Inspection Agreement, which keeps them (and you) away from lawsuits;
  • have access to InterNACHI’s Report Review/Mentoring Service;
  • have to carry E&O Insurance (if their state requires it);
  • have access to a real estate agent Hold-Harmless Clause;
  • and have access to many other benefits, training, marketing tools and information to help themselves, as well as consumers and real estate professionals, provided for free by the world’s largest inspector association.
So, the next time you need a home inspector (or need to refer your clients to one), make sure that inspector is a member of InterNACHI.  https://www.nachi.org/blindc.htm
Red Horse Home Inspection is proud to service the Black Hills of South Dakota including Rapid City, Sturgis, Piedmont, Black Hawk, Spearfish, Lead, Deadwood, Custer, Hot Springs, Hill City, Keystone, Hermosa, Box Elder, and surrounding areas.  Schedule your home inspection today.
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Eventually, your buyers are going to conduct an inspection. You may as well know what they are going to find by getting a pre-listing inspection. As the seller it is a good idea to get a pre-listing inspection performed ahead of time.  This helps in many ways, such as:

  • It allows you to see your home through the eyes of a critical and neutral third party.
  • It alerts you to immediate safety issues before agents and visitors tour your home.
  • It may alert you to items of immediate concern, such as radon gas or active termite infestation.
  • It permits you to make repairs ahead of time so that …
  • Defects won’t become negotiating stumbling blocks later.
  • There is no delay in obtaining the Use and Occupancy Permit.
  • You have the time to get reasonably priced contractors or make the repairs yourself, if qualified.
  • It helps you to price your home realistically.
  • It may relieve prospects’ concerns and suspicions.
  • It may encourage the buyer to waive his inspection contingency.
  • It reduces your liability by adding professional supporting documentation to your disclosure statement.

Never hire an inspector who is not a member of InterNACHI, which provides the most trusted and rigorous training for inspectors in the industry.

Copies of the inspection report, along with receipts for any repairs, should be made available to potential buyers.  This article is from InterNACHI and can be found at https://www.nachi.org/sellersinspection.htm
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Buying a home?

 So what really matters in a home inspection?  The process can be stressful.  A home inspection is supposed to give you peace of mind but, depending on the findings, it may have the opposite effect. You will be asked to absorb a lot of information over a short period of time.  Your inspection will entail a written report, including checklists and photos, and what the inspector tells you during the inspection. All of this combined with the seller’s disclosure and what you notice yourself can make the experience overwhelming. What should you do?  Here is what matters in a home inspection.
Relax.
Home inspectors are professionals, and if yours is a member of InterNACHI, then you can trust that he is among the most highly trained in the industry. Most of your inspection will be related to maintenance recommendations and minor imperfections. These are good to know about.

However, the issues that really matter will fall into four categories:

  1. major defects, such as a structural failure;
  2. conditions that can lead to major defects, such as a roof leak;
  3. issues that may hinder your ability to finance, legally occupy, or insure the home if not rectified immediately; and
  4. safety hazards, such as an exposed, live buss bar at the electrical panel.

Anything in these categories should be addressed as soon as possible. Often, a serious problem can be corrected inexpensively to protect both life and property (especially in categories 2 and 4).

Most sellers are honest and are often surprised to learn of defects uncovered during an inspection. It’s important to realize that a seller is under no obligation to repair everything mentioned in your inspection report. No house is perfect. Keep things in perspective.
And remember that homeownership is both a joyful experience and an important responsibility, so be sure to call on your InterNACHI Certified Professional Inspector® to help you devise an annual maintenance plan that will keep your family safe and your home in top condition for years to come.
https://www.nachi.org/articles/articles.htm#general
Schedule your home inspection today with Red Horse Home Inspection today.  I am proud to service the Black Hills including Rapid City, Sturgis, Spearfish, Custer, Lead, Deadwood, Hot Springs, Keystone, Hill City, Hermosa, Box Elder and surrounding areas.
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As a home inspector, we come across a lot of the same issues.  I wanted to share 5 common defects found during a home inspection.  Some of these issues could have been easily prevented with education.  Others can be fixed before they cause damage and cause costly repairs.  Let’s take a look at the 5 common defects found during a home inspection and how to fix or prevent them.

Defect #1:  Foundation Clearance to Grade

The soil around your home’s perimeter should be a minimum of 6″ below brick and 8″ below siding or stucco.  This clearance is there to prevent water from intruding during heavy rain.  It also helps water from splashing up and soaking into the siding.   Sometimes planters or gardens are installed against a homes brick or siding.  This can lead to water infiltration and cause damage to siding, sill plate, rim and floor joist, and drywall.  Make sure the grading slopes away form your home, it should slope 6″ in the first 10′.

Defect #2:  Attic Ventilation

Attics should be ventilated.  This is to guard against moisture build-up and mold formation.  It also extends the life of the roof covering.  Many times exhaust fans are not vented to the exterior of the home like they should be and are vented into the attic.  This adds moisture to the attic and can lead to a mold issue.  Proper attic ventilation can help prevent ice dams, too.  The best ventilation would be continuous ridge and soffit vents.

Defect #3:  Gutter and Downspout Placement

Gutters and downspouts carry water from the roof away from the foundation.  Downspouts should not drain onto lower roofs.  This can damage the roof and void manufacture’s warranty.   They should drain into a lower gutter or drain at least 6′ away from the home’s foundation.  These two tips will keep your basement dry and prevent damage to your roof.

 

 

Defect #4:  Structure Damaged Caused by Plumbing

Some times joist, studs, and foundations can be damaged when pipes are ran for plumbing. Lack of planning can lead to the home’s structure being modified without engineers approval.  Most of the times these issues can’t be seen, that is why a phase inspection is recommended during the construction.

Defect #5:  Lack of GFCI

Over the years the requirement for GFCI’s in your home have changed.  Most homes are not up to the current safety standards.  GFCI’s are required in garages, bathrooms, kitchens, exterior receptacles, swimming pools, wet bar, crawlspaces, and laundry areas.  If your home’s electrical system has not been updated with GFCI’s, we highly recommend it.

Schedule your home inspection today.

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At Red Horse Home Inspection LLC, we have five goals for every home we inspect.  Our first goal is to identify major defects that could lead to costly repairs for the home buyer.  No one wants to pay out for costly repairs after moving in to their new home.  Our second goal is to give the home buyer an overall condition of the home.  This could include identifying any deferred maintenance issues, pointing out issues that could lead to future problems.  The third goal is to identify safety issues. This could include pointing out trip and fall hazards around the property, identifying unsafe decks and guardrails and informing you of electrical issues that could be dangerous.  The forth goal is to educate our clients about their new home.  We make sure that you know where the main water and gas shutoffs are located.  Let you know what type of energy is used to heat and cool your home.  We will try and answer any questions you have about your home the day of the inspection or you can call us anytime and we will be happy to answer any questions you have.  Our final goal is you let you know the age of all your major components.  This includes water heaters, central heating and cooling system, refrigerator, and oven.  With every inspection we give our clients a home maintenance book which includes a life expectancy chart for almost all components of your home.  This will give you an idea on how long your components will last before needing replaced.  Red Horse Home Inspection is proud to service Rapid City, Sturgis, Spearfish, Deadwood, Lead, Custer, Hot Springs, Keystone, Hill City, Hermosa, Summerset, Box Elder and surrounding areas.  If you are ready to schedule you home inspection please call 605-490-2916 or schedule online.

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by Nick Gromicko, CMI® and Kenton Shepard
This article is about attached garage fire hazards and the purpose of this article is two fold. First, at InterNACHI, we’d like you to take measures to keep your attached garage free from fire. Fortunately, there are ways these hazards can be reduced, some of which are described below. Secondly, garage fires do happen, and we’d like you to make sure that a fire cannot not easily spread to the rest of your house. While you can perform many of the recommendations in this article yourself, it is a good idea to hire an InterNACHI inspector to make sure your home is safe from attached garage fire.

Why do many garages pose a fire hazard?

  • Where are you most likely to do any welding, or any work on your car? These activities require working with all sorts of flammable materials.
  • Water heaters and boilers are usually stored in garages, and they can create sparks that may ignite fumes or fluids. Car batteries, too, will spark under certain conditions.
  • Oil and gasoline can drip from cars. These fluids may collect unnoticed and eventually ignite, given the proper conditions.
  • Flammable liquids, such as gasoline, motor oil and paint are commonly stored in garages. Some other examples are brake fluid, varnish, paint thinner and lighter fluid.

The following tips can help prevent garage fires and their spread:

  • If the garage allows access to the attic, make sure a hatch covers this access.
  • The walls and ceiling should be fire-rated. Unfortunately, it will be difficult for untrained homeowners to tell if their walls are Type X fire-rated gypsum. An InterNACHI inspector can examine the walls and ceiling to make sure they are adequate fire barriers.
  • The floor should be clear of clutter. Loose papers, matches, oily rags, and other potentially  flammable items are extremely dangerous if they are strewn about the garage floor.
  • Use light bulbs with the proper wattage, and do not overload electrical outlets.
  • Tape down all cords and wires so they are not twisted or accidentally yanked.

If there is a door that connects the garage to the living area, consider the following:

  • Do not install a pet door in the door! Flames can more easily spread into the living area through a pet door, especially if it’s made of plastic.
  • Does the door have a window? An InterNACHI inspector can inspect the window to tell if it’s fire-rated.
  • The door should be self-closing. While it may be inconvenient, especially while carrying groceries into the house from the car, doors should be self-closing. You never know when a fire will happen, and it would be unfortunate to accidentally leave the door open while a fire is starting in the garage.
  • Check the joints and open spaces around the door. Are they tightly sealed? Any openings at all can allow dangerous fumes, such as carbon monoxide or gasoline vapor, to enter the living area. An InterNACHI inspector can recommend ways to seal the door so that fumes cannot enter the living area.

Concerning items placed on the floor, you should check for the following:

  • Store your flammable liquids in clearly labeled, self-closing containers, and only in small amounts. Keep them away from heaters, appliances, pilot lights and other sources of heat or flame.
  • Never store propane tanks indoors. If they catch fire, they can explode. Propane tanks are sturdy enough to be stored outdoors.
In summary, there are plenty of things that you can do to prevent garage fires from spreading to the rest of the house, or to keep them from starting in the first place. However, it is highly recommended that you have your garage periodically examined by an InterNACHI inspector.