Buying a home is an exciting milestone, but it also comes with a lot of responsibility, especially when it comes to maintenance and future repairs. Many homebuyers are grateful to have a professional home inspector uncover hidden issues, but they can sometimes get confused about what to focus on or what questions they should ask. To make sure you’re making an informed decision, there are three big-money areas you should always ask your home inspector about. These are three of the largest potential expenses that can arise with homeownership.
How is the roof?
The roof is one of the most important components of your home, and replacing it can be incredibly costly. A roof replacement can run anywhere from $10,000 to $20,000, depending on the size and materials. While home inspectors can’t predict the exact lifespan of your roof, they can tell you if it’s showing signs of age, wear, or potential leaks. Knowing the condition of your roof will help you gauge if it’s something that needs attention soon or if it will last for several more years. This knowledge can be invaluable during the negotiation process, especially when it comes to adjusting the price or asking the seller to take care of any necessary repairs.
How is the HVAC System?
The heating, ventilation, and air conditioning (HVAC) system is another major expense you need to consider. A replacement HVAC system can cost anywhere between $6,000 and $10,000, depending on the type and complexity of the installation. Home inspectors can’t typically examine the inner workings of the system, but they can assess its age and the general condition. If the system is older or showing signs of wear, you’ll have a better understanding of the maintenance or replacement costs to expect in the near future.
How is the Sewer Lateral?
This is one of the sneakiest and most often overlooked issues by homebuyers. The sewer lateral—the pipe that carries waste from your home to the city’s main sewer line—can be a big expense if it needs to be replaced. The responsibility for the sewer lateral lies with the homeowner, not the city, and replacing it can cost anywhere from $6,000 to $12,000. Many buyers assume that as long as the kitchen sink drains and the toilet flushes, everything is fine, but sewer lines can have hidden problems, such as clogs, root intrusions, or even cracks in older pipes. A sewer camera inspection can help identify any issues before they become major problems, and it’s something you should ask your inspector about if it’s available.
Bonus Tip: Focus on the Big Picture
In addition to asking about these three major expenses, make sure to have an open conversation with your inspector about any other areas of concern. If there’s something specific that makes you nervous—whether it’s the plumbing, electrical systems, or the foundation—be sure to ask about it. A thorough home inspection is all about uncovering potential problems before they turn into expensive repairs.
Remember, a little extra time spent on these big-ticket questions can save you from serious headaches (and expenses) down the road.
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