Dear Barry: When I purchased my home, I hired a home inspector. The only electrical problem he found was a charred wire in the fuse box. After moving in, I noticed that the lights kept dimming, so I called an electrician. He said that the panel was very old, that the charred wire was actually burnt through, and that some of the fuses were connected to more than one circuit, a condition he called “double-tapping.” Now I need to install a new breaker panel for a whole lot of money. So I called the home inspector. He said that he does not take things apart and inspect the inner workings. If that’s so, then how did he see the charred wire? What do you think I should do? Ryan
Dear Ryan: The home inspector is apparently giving you double-talk. It is the standard of practice for home inspectors to remove the inside cover on every electrical panel to enable inspection of the internal components. As you pointed out, your inspector apparently did this, or he would not have disclosed the charred wire. Therefore, he was in a position to see the other electrical defects and should have disclosed them. Even if he only disclosed the charred wire, his recommendation should have been evaluation and repair by a licensed electrician, prior to close of escrow, especially since this was an outdated fuse panel, rather than a breaker panel. Had he given you that advice, the remaining defects could have been discovered by the electrician before you took possession of the property. If he did not provide full disclosure of the panel defects and did not make the proper recommendation for the charred wire, then he should take some responsibility for lack of disclosure
On the other hand, if he did disclose further evaluation by a licensed electrician, it would have been your responsibility to follow that recommendation. In that case, failure to have followed the inspector’s advice would place the liability back in your court
If by these standards the home inspector remains liable, be sure to take photos of the electrical defects before having them repaired. This will enable you to prove your cased if you file a claim against the inspector
Dear Barry: We bought our home about 6 months ago, and now we are stuck with a bundle of problems that were concealed by the sellers, dismissed by the agent, and overlooked by our home inspector. Unfortunately, our agent was also the listing agent for the sellers, who happen to be her personal friends, and she also selected the person who did our home inspection. The main problem with the house is ground water seepage into the basement. The seller disclosed that there used to be a drainage problem that was corrected, but they provided no documentary proof of the alleged repairs. When we first looked at the property, we noticed a musty smell and pointed this out to the agent. She said, “I’ve been an agent for a long time. This just smells like an old basement, not a moldy one, and I know the difference….” She also persuaded us to buy the property “as-is” so that the sellers would accept our offer. After moving in, we discovered that the basement carpet was wet. When we removed it, we found mold and rot on the baseboards. We have also learned that the sellers hired a contractor to dry out the carpet and repaint the basement before we bought it. The costs to correct the drainage, repair the water damage, and eliminate the mold are very high. What can we do? Patrick
Dear Patrick: If you had written to me during the course of the transaction and said, “Dear Barry, We are buying a home that has musty odors, the dual agent (who is a friend of the sellers) says this is not a problem, the agent has chosen our home inspector, and the agent is persuading us to buy the home as-is,” I would have told you the following: “The agent is representing the interests of the sellers only. You need someone to represent you, which means find an agent of your own to help you negotiate.” I would also have advised you to hire your own home inspector, not an inspector who was chosen by an agent with an apparent bias.
Agents know which home inspectors are the most qualified and thorough. An agent who is more interested in the commission check than doing what is right will recommend inspectors who disclose fewer defects. To those agents, the best inspectors are known as “deal killers.”
My advice is two-fold. First, have your home re-inspected by a qualified professional who has many years of experience and a reputation for thoroughness as an inspector. Whether the agent’s home inspector is liable depends on whether there were visible defects that were within the scope of a home inspection, as defined by industry standards. Call several real estate offices and ask who are the most nit-picky inspectors in the area.
Second, get some advice from a real estate attorney regarding your available options for redress against the sellers and the agent for nondisclosure, and against the home inspector for professional negligence. Certified letters on legal stationary should alert all parties that you are very serious about this matter.
Dear Barry: We just moved from the big city to the country. So for the first time ever, we have a septic system and have to think about what goes down the drain. The contractor who inspected the septic tank advised us to flush an additive down the toilet once a month to maintain the bacteria level in the tank. Our new next-door neighbor says he’s never used the stuff and insists that it’s a waste of money. What’s your advice for the care and maintenance of a septic system? Jeffrey
Dear Jeffrey: Bacterial additives are often advised by septic contractors, but the need for this is debatable because micro-organisms are added to the tank every time solid waste is flushed down the toilet. In fact, more attention should be given to things that should not be flushed than things that should be.
Several studies have been conducted to determine the effectiveness of septic additives, including one that was published in the Journal of Environmental Health in 2008 and another that was conducted at the University of Ottawa in 2012. In each case, the additives did not significantly increase the bacterial level in the septic systems that were tested. Many septic contractors will no doubt disagree with these findings.
Rather than adding bacteria to your septic system, it is important to protect the bacterial environment that is already present. Here are some do’s and don’ts for maintaining the effectiveness of your septic system:
1) Avoid putting insoluble solids such as grease, fats, and oils down the drain because these can clog the leach lines that convey water from the septic tank into the ground. Keep this in mind when washing pots and pans.
2) Don’t put chemicals such as paint, paint thinner, bleach, etc. down the drain. People sometimes clean their paint brushes in sinks and toilets. This is definitely a no-no.
3) Minimize the use of your garbage disposal to avoid the accumulation of undigested organic solids in the tank. These can take a long time to decompose.
4) Do not let the salt brine from a water softener drain into your septic system. Instead, the discharge pipe from the softener should terminate in a ground sump or leach field designated for this purpose.
5) Minimize the amount of extra water that goes into the septic system. For example, rain gutters from the roof and yard drains should not drain to the septic tank or the leach field.
6) Do not park vehicles on ground surfaces above the leach field, as this can compact the subsurface absorption system.
7) Have your tank pumped and inspected in a timely manner, usually about every five years.
Laundry drains are often diverted to a ground sump or garden area to prevent detergents and other laundry additives from damaging the bacteria in the septic tank. The need for this precaution is often unwarranted because newer types of detergents and bleaches do not adversely affect the microbial environment in a septic tank when used in moderation. I can attest that my own septic system has consumed detergents for the past 10 years with no apparent ill-affects. This particular advice, however, is likely to draw active debate from some septic contractors.