How E&O Insurance Protects the Customer

When you’re hiring a home inspector, you probably look for experience, good reviews, and maybe even a fast turnaround time. But one thing that often gets overlooked is whether your inspector carries Errors and Omissions (E&O) insurance—and that can make a big difference for you as the customer.

Here’s what you need to know.

What Is E&O Insurance?

Errors and Omissions insurance is a type of professional liability insurance. It protects a business (and its clients) in case the business makes a mistake, overlooks something, or gives inaccurate advice.

In the world of home inspections, that could mean:

• Missing a major defect during an inspection
• Reporting something incorrectly

Why Should Homebuyers Care?

The short answer: protection.

Even the most experienced, detail-oriented inspectors are still human. While rare, mistakes can happen. If a serious issue is missed during an inspection—like a roof leak or a faulty foundation—the cost to fix it can be significant.

If your inspector has E&O coverage and their mistake leads to a financial loss for you, that insurance can help.

Without E&O coverage, your only recourse might be a lawsuit. That costs time and money—and even then, you may never recover the cost of the issue. E&O insurance provides a safety net for both parties.

What E&O Doesn’t Cover

It’s also important to understand what E&O insurance doesn’t do:

• It doesn’t cover issues the inspector couldn’t reasonably have seen. We don’t take apart walls or rip out floorboards to check the foundations. If a problem is hidden behind drywall, under concrete, or blocked by furniture, it won’t be part of a visual inspection—and E&O won’t apply.
• It doesn’t cover general wear and tear or future maintenance problems that develop naturally after you move in.

Our Policy

At Pine Point Property Inspections, we carry full E&O insurance because we want our customers to know they’re not taking unnecessary risks.
This coverage is part of our commitment to doing the job right.

If you’re buying a home and comparing inspectors, don’t be afraid to ask if they’re insured. A professional should be happy to provide proof.

Final Thought

A home is a major investment. You deserve an inspection that’s thorough, honest, and backed by protection.

E&O insurance doesn’t replace skill or experience—but it does add an extra layer of confidence for you, the customer.

Have questions about our process or our coverage? We’re always happy to talk.

Pine Point Property Inspections
🌐 Pinepointpi.com
📞 Call or Text: (651) 383-5252
✉️ Email: Contact@pinepointpi.com