Why Home Inspections Matter
A professional home inspection is your opportunity to understand exactly what you're buying before finalizing the purchase. While Toronto's competitive market has led some buyers to waive inspections, this can be a costly mistake. This guide explains how to use inspections effectively.
What Home Inspectors Examine
Structural Components
- Foundation: Cracks, settling, water infiltration
- Framing: Structural integrity, modifications
- Roof Structure: Rafters, trusses, sheathing
- Load-Bearing Walls: Proper support, modifications
Exterior Elements
- Roof Covering: Age, condition, remaining life
- Siding/Cladding: Condition, installation quality
- Windows/Doors: Operation, seals, condition
- Grading/Drainage: Water management around foundation
- Driveways/Walkways: Condition, trip hazards
Interior Systems
- Electrical: Panel capacity, wiring type, safety issues
- Plumbing: Pipe materials, water pressure, drainage
- HVAC: Furnace/AC age, condition, efficiency
- Water Heater: Age, capacity, installation
- Insulation: Type, coverage, effectiveness
Interior Conditions
- Walls/Ceilings: Cracks, stains, damage
- Floors: Level, condition, squeaks
- Bathrooms: Fixtures, ventilation, moisture
- Kitchen: Appliances, ventilation, plumbing
- Basement: Moisture, finished vs. unfinished issues
Major Red Flags to Watch For
Serious Structural Issues
- Large foundation cracks (especially horizontal)
- Sagging roof lines or floors
- Evidence of structural modification without permits
- Major settlement issues
Impact: Potentially $50,000-$200,000+ to repair. May be deal-breakers.
Water and Moisture Problems
- Active water infiltration in basement
- Mold growth
- Water stains on ceilings (roof leaks)
- Musty odors
Impact: $5,000-$50,000+ depending on severity. Health concerns with mold.
Electrical Hazards
- Aluminum wiring (fire risk)
- Knob and tube wiring
- Undersized electrical panel
- Amateur electrical work
Impact: $3,000-$20,000 to remediate. Insurance implications.
Plumbing Concerns
- Galvanized or lead pipes
- Polybutylene pipes (failure-prone)
- Signs of leaks or water damage
- Sewer line issues
Impact: $5,000-$30,000+ for full replumb.
Roof Issues
- Missing or damaged shingles
- Multiple layers (max 2 allowed)
- Poor flashing around penetrations
- Sagging or structural issues
Impact: $8,000-$25,000 for full replacement.
Cost of Home Inspections
Professional inspection costs in Toronto:
- Standard Home Inspection: $400-$600
- Condo Inspection: $300-$400
- Pre-Listing/Seller Inspection: $400-$550
Optional Additional Inspections
- WETT (Wood Burning): $150-$250
- Pool/Spa: $150-$300
- Sewer Scope: $200-$350
- Radon Testing: $150-$200
- Mold Testing: $300-$500
How to Choose an Inspector
Qualifications to Look For
- Licensed and insured in Ontario
- Member of professional association (OAHI, CAHPI)
- Minimum 5 years experience
- Sample reports available
- Strong reviews and references
Questions to Ask
- How long have you been inspecting?
- How many inspections have you completed?
- What's included in your inspection?
- How long does the inspection take?
- Can I attend the inspection?
- When will I receive the report?
Using Inspection Results in Negotiations
What's Negotiable
- Major deficiencies (roof, HVAC, structure)
- Safety hazards (electrical, mold)
- Items misrepresented in listing
- Code violations
What's Typically Not Negotiable
- Normal wear and tear
- Cosmetic issues
- Maintenance items
- Items visible during showings
Negotiation Strategies
- Credit Request: Ask for price reduction for repairs
- Repair Request: Seller fixes before closing
- Escrow Holdback: Funds held for specific repairs
- Walk Away: Use inspection condition to exit if issues too severe
Inspections in Competitive Markets
When facing multiple offers, consider:
Pre-Offer Inspections
Inspect before submitting your offer to remove the condition while still knowing what you're buying. Cost: $400-600 per property inspected.
Shorter Inspection Periods
2-3 day inspection conditions instead of standard 5 days shows seller you're serious while maintaining protection.
As-Is Acknowledgment
Some buyers waive inspection conditions. This is risky. If you choose this route, at minimum do a pre-offer inspection.
Working with Your Realtor
Your agent should:
- Recommend qualified inspectors
- Coordinate scheduling
- Attend the inspection with you
- Help interpret findings
- Advise on negotiation strategy
Never skip the inspection to win a bidding war. The cost of major undiscovered issues far exceeds any purchase price savings. Contact us to discuss how we protect our buyers throughout the inspection process.
