Showing posts with label roof inspection. Show all posts
Showing posts with label roof inspection. Show all posts

Thursday, June 11, 2026

Roof Inspections and San Antonio Insurance: What You Need to Know

 

Modern San Antonio home with a well-maintained roof representing the first line of defense against Texas storms.

In the San Antonio and Texas Hill Country area, your roof is more than just a structural necessity; it is the primary shield between your family and the unpredictable Texas climate. However, beyond protecting you from the elements, your roof plays a critical role in your financial health. If you own a home or are currently navigating a home inspection in San Antonio, you must understand how the condition of that roof directly influences your insurance premiums and coverage options.

Insurance companies have become increasingly meticulous when evaluating properties in South Texas. With the rising frequency of severe weather events, insurers now view the roof as the single most significant risk factor on a residential property. This scrutiny means that a roof in poor condition: or simply an aging one: can lead to skyrocketing premiums, reduced coverage, or even a complete denial of insurance.

Why San Antonio Insurers Prioritize Roof Condition

The geography of San Antonio places homes in a high-risk zone for wind and hail damage. Spring and early summer storms can bring "hail alleys" that batter shingles and compromise the integrity of the home’s envelope. Because a failing roof often leads to much more expensive secondary claims: such as mold growth, electrical damage, and structural wood rot: insurers treat the roof as a leading indicator of future liability.

When you invest in a professional inspection, you are not just checking for leaks; you are gathering the objective data that insurance underwriters use to determine your risk profile. At Veteran Home Inspections, we focus on identifying the specific markers that insurance companies look for, ensuring you have the documentation needed to secure the best possible rates.

The "Magic Numbers" of Roof Age

One of the most frequent questions we encounter during a San Antonio, Texas inspection is how much age matters. To an insurance company, age is often synonymous with risk. Most carriers operate on specific age thresholds that dictate what kind of coverage they will offer you.

  • Under 10 Years: This is the "Gold Standard." Roofs in this age bracket are typically eligible for Replacement Cost Value (RCV) coverage. This means if your roof is damaged, the insurance company pays to replace it at today's market prices.
  • 15 to 20 Years: At this stage, many insurers begin to transition policies from RCV to Actual Cash Value (ACV). Under ACV, the insurer subtracts depreciation from your payout. If a 18-year-old roof is destroyed, you may only receive a fraction of the cost to replace it, leaving you with a massive out-of-pocket expense.
  • Over 20 Years: In San Antonio, many carriers will refuse to write a new policy for a home with a roof over 20 years old unless it has been recently replaced. Even existing policies may face non-renewal notices if an inspection reveals significant wear.

Understanding where your roof stands in this timeline is essential for long-term financial planning. We provide the clarity you need to know if your roof is a "ticking clock" for your insurance policy.

Detailed view of hail damage on an asphalt shingle, showing granule loss and impact marks that insurers look for.

Hail Damage: The Silent Premium Killer

Hail damage is often difficult to spot from the ground, yet it is the most common reason for roof-related insurance claims in Texas. Large hail can crack the fiberglass mat of a shingle, while smaller, high-velocity hail can strip away the protective granules. Once these granules are gone, the underlying asphalt is exposed to the harsh Texas sun, leading to rapid deterioration and leaks.

The challenge for homeowners is that insurance companies often have a "discovery window." If you don't report hail damage within a certain timeframe: usually one to two years after the storm: they may deny the claim. A professional home inspection San Antonio identifies these "bruises" on your shingles before they turn into major leaks, allowing you to address the issue while it is still covered by your policy.

Leveraging Technology for Accuracy

To provide the most accurate assessment for our clients and their insurers, we utilize advanced tools that go beyond a simple visual check. While we always prefer to walk a roof when it is safe to do so, we can also employ drone technology to capture high-resolution imagery of hard-to-reach areas.

A professional inspector using drone technology to capture high-resolution images of a roof structure.

Using drones allows the inspectors at Veteran Home Inspections to see angles and damage patterns that might be missed during a traditional walk-through. This high-definition documentation is invaluable when you are presenting a case to an insurance adjuster or trying to prove the current condition of your roof to a new carrier. Our detailed reports, delivered within 24 hours, provide a clear, photographic record of every finding.

Materials Matter: Investing for Discounts

Not all roofs are created equal in the eyes of an actuary. If you are considering a roof replacement, the materials you choose can significantly lower your annual premiums.

  1. Impact-Resistant Shingles (Class 4): These shingles are specifically tested to withstand the impact of large hail. Many San Antonio insurers offer substantial discounts: sometimes up to 20%: for homes with Class 4 rated roofing.
  2. Metal Roofing: While the initial investment is higher, metal roofs are incredibly resilient against wind and fire. Their longevity often makes them a favorite for insurers, provided they are installed correctly.
  3. Tile and Slate: These materials are durable but heavy. Installers should check to ensure the home's structure can support the weight, as a sagging roof is a major liability.

Choosing the right material isn't just about curb appeal; it's about making your home "insurable" at a lower cost. During our inspections, we verify the material type and its condition, helping you highlight these premium-reducing features to your agent.

The Importance of Professional Documentation

When you are buying a home or renewing a policy, the "word" of a seller or a general contractor isn't always enough for an insurance company. They require objective, third-party verification. This is where the value of a Certified Master Inspector (CMI) becomes apparent.

The Certified Master Inspector badge representing the highest level of professional credentialing in the industry.

As a veteran-owned business, we bring a level of discipline and attention to detail that is unmatched. Our reports are designed to be "user-friendly." We use professional terminology, clear photography, and direct assessments that leave no room for ambiguity. By providing your insurance agent with a Veteran Home Inspections report, you are demonstrating that the property has been vetted by an expert, often smoothing the path to better coverage terms.

Strategies for Homeowners and Buyers

If you are currently in the market for a home or concerned about your current coverage, we recommend the following steps:

  • Audit Your Roof Age: Don't rely on "guesstimates." Check permit records or closing documents. If you're unsure, we can help determine the approximate age based on wear patterns and material types.
  • Schedule a Pre-Listing Inspection: If you are selling, knowing your roof's condition ahead of time prevents "deal-killer" surprises during the buyer's inspection. You can fix small issues now to ensure the buyer can actually get insurance on the home.
  • Request a Professional Roof Evaluation: Even if you don't see a leak, an annual or biennial check-up can save you thousands in denied claims or emergency repairs.

Your Protection is Our Mission

At Veteran Home Inspections, we understand the unique challenges of the San Antonio real estate market. We know that a roof is more than just shingles; it's a critical component of your home's value and your family's safety. Our background as a veteran-owned company means we operate with integrity and a commitment to providing you with the most accurate information possible.

Don't let an aging or damaged roof jeopardize your insurance coverage or your peace of mind. Whether you are a first-time homebuyer or a seasoned property owner, the insights gained from a professional inspection are an investment that pays for itself in avoided risks and lower premiums.

A beautiful Texas Hill Country home with a durable, well-maintained roof providing long-term security.

Ready to secure your home’s future? Contact us today to schedule your comprehensive roof evaluation or full home inspection. We proudly serve Boerne, San Antonio, Bandera, Kerrville, and the surrounding Texas Hill Country.

Call us at 210-202-1974 or Request an Inspection Online today.

Saturday, May 16, 2026

Eyes in the Sky: What Drones (And Don't) Mean for Your San Antonio Home Inspection

 

Modern inspection drone hovering over a Texas Hill Country home with a clay tile roof

The landscape of the real estate industry is shifting, and technology is at the forefront of that change. For years, a home inspection in San Antonio followed a predictable pattern: an inspector would pull a ladder off their truck, lean it against your gutters, and climb up to get a bird’s-eye view of your roof. While this traditional method is still a staple of the industry, there is a new tool in our arsenal that is revolutionizing how we evaluate property conditions: the drone.

At Veteran Home Inspections, we pride ourselves on being tech-forward and detail-oriented. We understand that your home is likely the largest investment you will ever make, and we leverage every tool available to ensure that investment is sound. However, there is often confusion about what drones can and cannot do during an inspection. In this guide, we will break down the advantages, the limitations, and the legal requirements of using "eyes in the sky" to protect your future home.

The Superior Advantage: Safety and Specialized Access

The most immediate benefit of using drones is safety: both for the inspector and for the property itself. Many homes in the San Antonio and Boerne areas feature architectural elements that make a manual roof inspection difficult or even dangerous.

Inspecting Steep and Fragile Roofs

Texas Hill Country architecture often includes beautiful but delicate roofing materials. Clay tiles, slate, and certain high-end metal roofs are notoriously fragile. Walking on a clay tile roof can cause hairline cracks that lead to leaks months or years down the line. By using a drone, a home inspector in Boerne, TX can capture high-resolution imagery of the roof covering without ever setting foot on the surface. This preserves the integrity of the roof while providing a 4K view of its condition.

Furthermore, many modern homes feature "unwalkable" pitches. When a roof is too steep for an inspector to safely traverse, a drone becomes the only way to get a close-up look at the ridge caps, valleys, and flashing.

Reaching Tall Chimneys and Gutters

Tall, multi-story chimneys are often skipped or "guestimated" during traditional inspections because they are out of reach for a standard 20-foot ladder. Drones can hover inches away from a chimney cap, allowing us to inspect for mortar deterioration, crown cracks, or sparking hazards that would otherwise go unnoticed. Similarly, we can fly the perimeter of the home to check for gutter clogs or sagging sections that are hidden from the ground.

Professional home inspector operating a drone controller in a Boerne driveway

Understanding the Limitations: What the Drone Can't See

While drones are impressive, they are not a "magic bullet." They are one tool in a comprehensive suite of services. It is a common misconception that a drone flight replaces the need for a hands-on inspection. Here is why the human element remains irreplaceable.

The Drone Doesn’t Replace the Attic

A drone can tell us if a shingle is missing, but it cannot tell us if the roof decking underneath is rotting. For that, we must go into the attic. At Veteran Home Inspections, we correlate our aerial findings with a thorough interior and attic evaluation. We look for water staining on the rafters, evidence of mold growth, and signs of past repairs. A drone sees the "skin," but the inspector must see the "skeleton."

Environmental Hurdles: Wind, Rain, and Trees

San Antonio is no stranger to sudden weather shifts. Drones are highly sensitive to high winds and precipitation. If it is a particularly gusty day or if there is a light drizzle, we may be legally or technically grounded. Additionally, heavy tree cover: common in the more wooded areas of the Hill Country: can prevent a drone from getting a clear line of sight to the roof. In these cases, we rely on our extensive experience and traditional methods to ensure no stone (or shingle) is left unturned.

The Lack of Tactile Feedback

An inspector’s hands are among their most valuable tools. When we walk a roof, we are feeling for "soft spots" that indicate moisture-damaged plywood. We are checking the "crunch" of the granules to see if an asphalt shingle is nearing the end of its life. A drone provides visual data, but it cannot provide the tactile feedback that a Certified Master Inspector uses to gauge the remaining lifespan of a roofing system.

Close-up drone shot of a cracked chimney flashing and clay tiles

The Legal Side: Why FAA Part 107 Matters

You might wonder, "Can't anyone with a drone from a big-box store do this?" The answer is a firm no. The Federal Aviation Administration (FAA) has strict regulations regarding the commercial use of Unmanned Aircraft Systems (UAS).

Professionalism and Compliance

To operate a drone for a home inspection in San Antonio, an inspector must hold a Remote Pilot Certificate under FAA Part 107. This is not just a formality; it is a legal requirement for anyone using a drone for business purposes. Fines from the FAA can easily exceed $10,000, and can be enforced against both the drone pilot and the party hiring them (home owners, buyers, real estate agents, etc.)

At Veteran Home Inspections, we strictly adhere to these regulations. This involves:

  • Aeronautical Knowledge: We have passed the FAA’s rigorous testing on airspace classifications, weather patterns, and emergency procedures.
  • Airspace Authorization: Large areas of San Antonio are restricted for drone flight, and we can't even legally take off. We use tools like LAANC to get instant authorization to fly near San Antonio’s busy airports (like SAT or Randolph AFB), ensuring we are never a hazard to manned aircraft. Here's a quick look at the airspace around San Antonio:
  • Airspace map of San Antonio for drone use
  • Safety Protocols: We conduct pre-flight inspections of our equipment and maintain a visual line of sight at all times.

Hiring an uncertified "hobbyist" for your inspection could lead to significant legal liabilities for the property owner and the inspector alike. Always ask your inspector if they are Part 107 certified before they launch a drone over your potential home.

FAA Part 107 Remote Pilot Certificate mockup with drone gear

Our Commitment to Excellence

At Veteran Home Inspections, our background as a veteran-owned business means we value precision, discipline, and the highest standards of service. We don't use drones because they are "cool" or "trendy": we use them because they provide our clients with a superior level of information.

By combining aerial technology with advanced thermal imaging inspections, we can identify heat loss, moisture intrusion, and structural defects that a standard visual inspection might miss. We believe in providing a report that is not just a list of problems, but a comprehensive manual for your home’s health.

What to Expect in Your Report

When we use a drone, you won't just get a note saying "roof looks okay." You will receive:

  1. High-Resolution Evidence: Clear, dated photos of the roof, chimneys, and vents.
  2. Detailed Context: An explanation of how the aerial findings relate to the condition of the attic and interior.
  3. Actionable Advice: Specific recommendations for repairs or maintenance, backed by visual proof.

Our goal is to provide your detailed report within 24 hours, so you can move forward with your real estate transaction with total confidence.

Protecting Your Investment

Whether you are a first-time homebuyer or an experienced investor looking at commercial property inspections, you deserve a team that uses every available advantage. Drones have changed the game, but they are only as effective as the expert operating them.

Don't leave your roof: or your safety: to chance. Ensure your next home inspection in San Antonio is handled by a team that understands the technology, the territory, and the importance of a job well done.

Ready to schedule your high-tech home inspection?
Contact the team at Veteran Home Inspections today. We serve the entire Texas Hill Country area, including Boerne, San Antonio, Bandera, and Kerrville.

Certified Master Inspector Badge

Call us at: 210-202-1974
Visit our website: vhillc.com

Veteran Home Inspections: Integrity in every inch, from the ground to the sky.

Friday, April 5, 2019

What to Look for When Buying a House

Veteran Home Inspections was asked to contribute to this article on Redfin:
What to Look for When Buying a House
If you’ve ever been to an open house or toured a home then you’ve most likely marveled at different home layouts, lamented over beautifully designed kitchens or critiqued the color choice in the bathrooms. But beyond the veneer that makes a house shine to potential home buyers, have you ever wondered what could be lying below the surface?
Is the home you’re touring actually in good shape or are there hidden issues that only a trained eye can spot? Here’s your chance to learn what to look for when buying a house so you too can begin touring homes like a professional home inspector.
Inspecting the driveway
All parts of the home need to work in unison and that includes your driveway. When entering a driveway you’ll want to look at its surface conditions, levelness, and the areas around the driveway.
Walk the entire driveway, noting any deterioration, cracking, heaving or settling. Driveways are known to crack over time but the reasons behind these cracks can vary, such as:
  • Improper compaction of the soil prior to pouring the concrete.
  • Trees near the driveway can cause heaving if their roots grow underneath the concrete.
  • A slope in the driveway can cause rainwater to settle, causing it to erode the supporting dirt below.
  • Deterioration of any wood used in the pouring of the driveway may leave a gap that can both become a tripping hazard and a means of moisture entering the fissure, causing more damage.
Scot Baker
Inspecting the living room
When inspecting the living room, use three passes to look at everything.
On the first pass, walk the floor in a circle and look for any signs of the floor moving or shifting, water damage, or any damage to the floor itself.
During the second pass, check out the ceiling by walking around the room again. Check for water stains and any cracks that could indicate a structural problem. Also, check out any air conditioning vents to see if they are clean, as dust or other debris around these vents may signal a lack of maintenance.
On your third pass, look only at the walls, keeping an eye out for cracks or separations between the walls, the ceiling, or the fireplace that could be another indication of a structural problem. Look at the electrical outlets to make sure they are clean (not painted) and don’t show any indications of smoke or burn marks. And don’t forget to check all of the light switches and ceiling fans to make sure they work.
David Selman
Inspecting the fireplace
Fireplaces can be an attractive focal point in many homes. It’s a place where family and friends get together to relax and warm themselves during the cold winter months. That’s why when touring a home you’ll want to know if that fireplace with a great mantle is a winner, or if it will be in need of repair.
First, you’ll want to inspect the exterior of the chimney by looking for any structural issues around the foundation, as well as the chimney case, crown, flue and cap (if installed). Whether it’s around the foundation, firebox area, or chimney case you should make a note of any signs of cracks as these indicate some deterioration. These cracks could have occurred from normal settling of a home, movement from past earthquakes, or the deterioration could have been caused by years of moisture seeping into these cracks, resulting in more damage. Most of the time these areas can be repaired by a mason.
Inspection of the chimney crown, flue and cap usually means a trip up to the roof, which during a home tour you most likely won’t do. If you decide to make an offer on the house, your home inspector will look for any damage to these areas to make sure dangerous carbon monoxide or moisture is not reentering the home.
Inside the home, you’ll want to inspect the fireplace for signs of cracked or damaged mortar and brickwork. Your home inspector will go one step further by inspecting the fireplace throat and determine if it has a proper sized hearth and that the mantel is secured properly.
Mike Phegley
Inspecting fire and carbon monoxide detectors
In a newly constructed home, smoke detectors should be installed inside each bedroom and in the adjoining area outside the bedroom door (such as a hallway). Newer homes are required to have smoke detectors wired into the electrical system with battery back-ups. They should be interconnected so that activation of one alarm sets off all alarms. In older homes, at least one smoke detector is required per floor, including basements, and should be within 21 feet of each bedroom.
Carbon monoxide (CO) detectors are highly recommended for homes with gas appliances such as stoves, hot water heaters, furnaces, and when the home has an attached garage. They should be installed on each floor of the home and within 15 feet of all bedrooms.
After you buy a home, it is a good idea to test the smoke and CO detectors every 2-3 months to ensure functionality. You’ll also want to replace your batteries regularly and it is recommended that you replace your devices after 10 years.
Ryan Sorensen
Inspecting the kitchen
A good idea for prospective homeowners attending an open house or touring a home privately is to look under the kitchen sink, which can actually tell you a lot about the overall condition of a house.
If you see a well-kept cabinet under the sink, it’s usually a good reflection about the upkeep of the rest of the home. In fact, if you see water damage or possible mold under the kitchen sink, it usually means the rest of the house is in disrepair. Of course, this doesn’t always hold true but more often than not, it’s a great barometer of the house as a whole.
When touring a home like a home inspector, the kitchen is obviously a major component since they are unique in regards to the volume of items that can have issues.
During a typical inspection, home inspectors usually operate all installed appliances such as the dishwasher, range/oven, microwave, vent hood, disposal, and sink. They also note issues with the countertops, cabinets and drawers, R/O systems, compactors, and built-in refrigerators (if any).
Liz O’Neall
Inspecting bathrooms
In each bathroom, you will want to turn on all the lights and the bathroom fan. If there isn’t a fan, make sure you take note because if you end up buying the house you’ll need to open a window every time you shower. Also, you’ll want to check and make sure there is a heat/air conditioning vent.
Next, look for water stains around the toilet, the bathtub/shower, and especially under the sink. You’ll also want to make sure the toilet is secure. Start by straddling it and then using your knees see if the toilet rocks or moves.
Look at any glass within five feet of the shower or bath and make sure there is a tempered stamp etched in the corner. Do the same for the shower doors as well if they are glass. You’ll also want to check for water damage around windows of the shower enclosure. Then make sure the shower head pipes and faucets don’t wiggle.
Check for an electrical outlet within thirty inches of each sink and that they are 3-prong (grounded). One of the bathrooms should have a GFCI electrical outlet. You can easily spot it as it’s the outlet with the two buttons in the middle.
Finally, look at the ceiling, walls, and floors to make sure there isn’t any damage. If the bathrooms are on an upper level, go downstairs and look for water stains or patches on the ceiling under the bathrooms.
Michael Marlow
Inspecting bedrooms
Houses with bedrooms that are too small, too few or on the wrong floor can make a great house dysfunctional for your needs. Luckily, when it comes to inspecting, bedrooms are easy for most homebuyers to evaluate for themselves.
You’ll want to note the number of windows each bedroom has. Something that most people do not realize is that building codes do not require a bedroom to have a closet, so make sure to see if each bedroom has one.
Bedrooms also require several important features and security measures, such as a smoke alarm, an emergency escape/rescue opening (such as a window or door), heat, and some means of light and ventilation. The condition of the bedroom will often be indicative of the overall condition of the house as damaged and scratched doors, stained walls and carpets, and dirty ductwork can indicate a poorly maintained home. Consider the heating and cooling system for each room and note any bedrooms above garages as with older houses these can be less comfortable.
Dylan Chalk
Inspecting the basement
The basement may not be the place you seek out first on a home tour. However, basements can offer great extra space in a home that you can potentially use as extra bedrooms, a family room or playroom, or storage area.
If the basement is unfinished and insulation is not covering the foundation walls, then you have a great opportunity to view the foundation wall for signs of structural concerns.  While minor concrete cracking is somewhat typical, larger cracks and, in particular, horizontal cracks, can be an indication of structural movement.
A white powder-like substance called efflorescence, can be an indication of poor drainage around the home and possibly a grading or gutter issue. Your nose is one of the best tools for inspecting a basement. If things smell musty or damp, this can also be an indication of moisture concerns.
Lastly, look around for signs of any unwanted insects or rodents who tend to make their way into a home through the basement. Droppings could indicate a pest concern.
George Scott
Inspecting the garage
When entering the garage make sure all light switches work. Though you most likely won’t check electrical outlets during a home tour, your home inspector will do it for you during the home inspection and report any that are not working.
You’ll want to check the walls and ceiling to see if they are fully sheetrocked. Sheetrock provides a fire barrier to your home when properly installed.Also, make sure that the access point to the attic also has a sheetrock cover; if it’s just plywood this would be a breach in the fire barrier.
Test the garage doors and the wall mounted remote as well. Look at the condition of the springs, tracks, and rollers of the garage door. Do they appear to be in good condition? Your home inspector will go further by testing all remotes, the laser eye barrier, and reverse sensor to make sure it meets minimal resistance.
Look at the garage floor, also known as the garage slab. Slight cracks are pretty common, but you should take note if you see excessive cracks or settlement.
Clinton Betchan
Below are things you won’t typically see during a home tour. However, your home inspector will certainly look into these areas of the house during a home inspection.
Inspecting the HVAC
One of the largest systems in the home, the heating, ventilation, and air-conditioning systems (HVAC), require periodic maintenance to ensure they run properly for years. Neglected and dirty HVAC equipment is the main reason for system failures. Though you most likely won’t inspect these systems, here’s an overview of what’s involved during an inspection:
  • Visual inspection of each component of the system if it is accessible.
  • Check for loose connections, leaking gas lines, worn out components, and damaged coolant lines.
  • Inspect the heat exchanger and evaporator coils to ensure they are clean and in good condition.
  • Listen for hard starts, irregular combustion, and worn out bearings.
  • Check for clogs in the condensate line and verify there is a proper discharge location.
  • Check the filter to ensure it has been changed regularly.
The average gas furnace lasts 15-25 years, the heat pump about 12-20 years, and standalone AC 12-15 years. An annual inspection is a small investment to protect your HVAC system. It’s a good idea to maintain your HVAC system biannually in the spring for air-conditioning units and the fall for furnaces. To improve efficiency, use a small portable vacuum to remove any dust buildup on the system and the air-conditioning coils.
Grant Waller
Inspecting water heater
You probably won’t personally inspect the water heater during an open house, however, you can count on your home inspector to:
  • Visually inspect the surfaces of the tank and plumbing lines for signs of leakage and overall condition.
  • Verify proper earthquake strapping—one strap on the top third of the tank, one strap on the lower third.
  • If it’s a gas water heater, the home inspector will inspect the fuel supply piping, ensure a proper sediment trap is present, check the length and type of the flexible fuel supply hose, and look at the burner and venting from the water heater.
  • If it’s an electric water heater, they will ensure the electrical supply is protected in the conduit, check for a ground wire attachment on top of the tank, and ensure the element covers are present and properly secured.
  • Inspect the Temperature Pressure Relief (TPR) valve and ensure proper material, routing, and termination of the discharge piping.
  • Evaluate for vehicle impact if in a garage – typically, a bollard (post) should be present in case the water heater is in the path of a vehicle.
  • Look at the area around the tank checking for past leaks, ensure the tank is sitting on a stable base.
  • Refer to the manufacturer’s identification label for size, age, and capacity of the tank.
 Matt Fellman
Inspecting the home’s exterior
When approaching the home, take a look at the roof ridge to make sure it is level and not sagging. This will give you a clue that the house itself is not sinking and the walls are not spreading. It can also give you a feel for the solidity of the roof support.
Look at the grounds around the home and make sure the soil is sloped away from the home and that gutters, downspouts, and downspout extensions are present and in good shape. This is especially important if the home has a basement as it helps prevent water intrusion into the basement and to protect the integrity of the foundation.
Walk around the home observing the condition of the siding, eaves, fascia, and soffits.  Look for wood rot, termite damage, and water staining, as well as carefully examine caulking and flashings.  Look for deteriorated or missing caulk and flashings especially around windows, doors, butt joints, and siding transitions.  These simple observations can save some huge expenses down the road.
Michael Stanford
Inspecting the Landscape Irrigation (sprinkler) System
On a home tour, take note if the property has an irrigation sprinkler system, as many homes have these types of systems to water the lawn. Though you probably won’t be able to test it, your home inspector will inspect the irrigation system controller along with each sprinkler zone.
Any broken sprinkler heads and leaks found will be noted, and the backflow valve will be visually inspected for damage.  The findings of the inspection will be included in your home inspection report along with photos of each zone during operation.
Danny Smith
Inspecting fences
Inspecting the fence of a residence is extremely important as it provides for the safety and security of a home. During a home tour, you’ll first want to note what material the fence is made of (most commonly treated wood) and then see if there is any indication of rot, damage, and other signs of deterioration.
The home inspector will also look for those same things but then test the amount of resistance the fence can withstand and what type of code may need to be applied. Once those items have been identified, the inspector is notified about the property line to ensure they are inspecting the proper fencing for the specific property. Next, the inspector will then assess whether the standard expectations associated with the fence have been applied, including:
  • 4×4 posts should be at least 2 feet in the ground and they should be 6 to 8 feet from each other depending upon the crossbar and planks being used.
  • Concrete used to hold each post in place should be 3 times the width of the 4×4 posts.
  • The crossbar should be a 2×4 if being used with the standard 4×4 posts.
  • Each post should be perfectly vertical or plumb.
  • The proper industry standard brackets need to be used to secure the cross beams to the posts.
  • Any insect damage will be carefully identified.
Only if all of these standards are identified with the fence in mind can the inspector be sure that the fence is meeting code and will provide safety and security for the homeowners.
James Beck JR
Inspecting decks
Decks can be a great asset, especially during the summertime, but also they may have hidden hazards. Often times, they were added to a home by do-it-yourselfers who had good intentions but may not have used safe construction methods.
During a home tour, pay particular attention to how decks attach to the home, which is usually done with a ledger or starter board. A pro will use ½” lag bolts with washers in a staggered pattern to attach this board. They also will protect the ledger with flashing to stop water infiltration. If there is no flashing water will weaken and rot the ledger over time, possibly finding its way into the home and causing hidden pockets of rot and mold.
Railings also get extra scrutiny at inspection.  Did you know that railings need to resist 200 pounds of force at any point along their length? Always look at a deck with safety in mind. If someone stumbles at your next BBQ, the railing needs to prevent them from going over the edge.
There are many considerations when it comes to deck construction and all decks should be professionally inspected and regularly maintained.
Steve Nadeau
Inspecting retaining walls
Retaining walls are used to hold back earth and landscaping and are typically made of poured-in-place concrete and then backfilled. You want to make sure these walls are perfectly plumb (vertical) without any leaning away from the retained earth.
This rule also applies to basement foundation walls as well. Besides the retaining wall being plumb, there should not be any significant cracks. Small fractures are typical but any differential movement on either side of the crack may be of concern.
If there is a crack, see if it is wide at the top and narrow at the bottom, which would indicate one portion of the wall is sinking in relation to the other. If one part of the wall is sticking out in relation to the other side of the crack, that is a concern as well. Sometimes these walls can be lifted back into position or pulled back towards the earth but this generally requires excavation and added structural support.
Joe Konopacki
Inspecting the roof
Each type of roofing has a different life expectancy. However, the variables of installation, exposure, attic venting, and maintenance are what determine the actual life of each roof.
Roof inspection begins in the attic by checking for water staining, leaks, damaged roof members, and evaluating the available venting. Heat and moisture build up quickly in improperly vented attics and shorten the lifespan of the roof.
An accurate assessment of the roof condition can only be determined from closely examining the surface of the roofing. Inspectors will look to determine the number of roof layers, such as multiple layers of roofing hold more heat which causes more wear. Once on the roof, we evaluate the surface of the roofing, flashing, and roof transitions. We also evaluate roof penetrations (skylights, vents, chimneys) and note conditions like overhanging trees that can damage the roofing.
Chad Sulloway
Inspecting the foundation
The most important part of any home, foundations are primarily built with stone, brick, concrete or block. A home inspector will inspect the foundation for any damage that can affect the integrity of the house.
When inspecting the foundation the inspector looks at both the exterior and interior for cracks, deterioration, and other environmental factors. Most foundation damage is the result of water infiltration such as a missing gutter system, which can result in water entering cracks and crevices of the foundation and then, in the colder winter months, freezing, resulting in damage due to hydrostatic pressure.
Type, size, and location of cracks in the foundation are very important to note. Any cracks in the foundation should be monitored over time for movement and water penetration. Shrinkage and settlement cracks are common in most homes, as are hairline cracks in foundations. V-Shape cracks are something to be concerned about as these could be evidence of structural settlement. Depending upon the size and location, these cracks generally require further evaluation, especially those greater than 3/16 of an inch.
Thomas Herbst
Inspecting crawl spaces
Every part of the country has their own unwanted pests, so when inspecting the crawl space be aware that you might not be alone. As such, a strong flashlight and keen eyesight are required.
The most important system in the crawl space is the foundation. There are several types of foundations, each with their own unique components and possible problems. Regardless of which type of foundation the home has, look for loose material (stone, bricks, etc..), bulging walls, excessive settling, sagging, moisture intrusion, and how the building structure is secured.
Ventilation and moisture control are another key factor. Is a vapor barrier required in your area? Is there sufficient vent area for outside air to displace the moisture? Dryer vents should never end in the crawl space, and HVAC ducts should be supported and insulated. In colder climates, the floor should be well insulated from underneath.
Plumbing components in the crawl space should not only be inspected for leaks but also for proper supports, hangers, and insulation. Some crawl spaces have a sump pump to remove excess water and these should be inspected as well.
Electrical connections and terminations must be contained in sealed junction boxes and often, mechanical systems are found in the crawl space and require inspection.
Steven Von Ehrenkrook
Source: Redfin

Thursday, August 31, 2017

Flood-Damaged Homes & Buildings


by Nick Gromicko & Mike Marlow
 
Home and business owners should be prepared to protect themselves and their family members from the unique challenges posed by flood-damaged buildings. 
 
Hazards in and around flood-damaged buildings include the risks of:Good boots can protect against sharp debris in flood-damaged buildings
  • growth of large mold colonies;
  • septic system collapse;
  • trip-and-fall injuries;
  • structural collapse; 
  • fire and explosions; 
  • toxic sludge and materials containing waterborne bacteria; and 
  • electrical shock hazards.
Inspection Tips
  • Inspect the building exterior for downed power lines and gas leaks. Gas leaks will smell like rotten eggs. If you suspect a gas leak, contact the utility company immediately.
  • While entering the building, see if the door sticks at the top. If it does, this could mean that the ceiling is ready to collapse. After you open the door, stand outside the doorway, clear of any falling debris.        
  • Wear sturdy, treaded boots. According to the American Red Cross, the most common injury following a disaster is cut feet. Broken bottles, nails, glass, and other dangerous debris may litter the floor, and stairs may be very slippery.
  • Once you are inside the home, check for gas leaks again. If you smell gas or hear a blowing or hissing noise, open a window and quickly leave the building. Turn off the gas at the outside main valve, if you can, and call the gas company from a neighbor's home. If you turn off the gas for any reason, a professional must turn it back on. Never use an open flame inside of a flood-damaged house unless you know that the gas has been turned off and the house is ventilated. To inspect for damage, use a battery-powered lantern or flashlight, and not an open flame or electrical fixture in the house.
  • Do not use appliances that may have gotten wet unless you know they have been dismantled, cleaned and dried.
  • Do not work by yourself. If you are injured, it might take a long time before you receive assistance. If you must work alone, bring a cell phone or radio so you may call for assistance, if the need arises.
  • Bring a HEPA-rated respirator to use in case you detect extensive mold. If you are asthmatic or otherwise at heightened risk to mold exposure, leave the Large mold colonies have grown in this house, which was flooded when a water pipe burst building. Other personal safety equipment, such as gloves and coveralls, may also prevent contact with mold and other contaminants.
  • Examine doors, walls, windows, floors and staircases to make sure that the building shows no signs of potential collapse. Inspect for loose plaster, drywall, and ceilings that may fall. Also, inspect the foundation for evidence of cracks and other structural damage that may render the building uninhabitable.
  • Inspect for fire hazards, such as broken and leaking gas lines, flooded electrical circuits, and submerged furnaces and electrical appliances. Flammable and explosive materials may travel from upstream. Be aware that fire is the most frequent hazard in homes following floods.
  • Inspect for electrical system damage, such as broken and frayed wires, and burned insulation. You can turn off the electricity at the main fuse box or circuit breaker. If you have to step in water to get to the fuse box or circuit breaker, call an electrician first for advice. Electrical equipment should be inspected by a qualified professional and dried before being returned to service.  Salt water and brackish water can cause even more damage very quickly.
  • Inspect for sewage and water supply-line damage. If you suspect sewage lines have been damaged, avoid using the toilets and call a plumber. If water pipes are damaged, contact the water utility company and avoid operating the tap.
  • Use caution while inspecting crawlspaces for a variety of reasons, such as the presence of mold, sewage, asbestos, chemicals, rodents, and the risk of structural collapse.
  • Watch out for animals, especially poisonous snakes, which may have been washed into the building during the flood. You can use a stick to poke through debris to check for dangerous critters.
  • Food that has come into contact with floodwater may be contaminated and it must be thrown away.  Canned food may be salvageable if the can is not dented or damaged.
  • Sterilize water if it is of questionable purity. One easy way to do this is to boil it for at least five minutes. Water wells that may have been affected by floodwater should be pumped out and the water tested for purity before drinking.
  • Have exposed wires replaced by a qualified professional.
  • As much as possible, remove the mud and silt that has entered the home, both by shoveling and hosing the house down. Mud and silt contain sewage and chemicals from farms, factories, roads and buildings. Discard items, such as mattresses and wallboard, that may be contaminated by mud or silt.
  • Turn off the house’s electricity. Do this even if the power company has turned off electricity to the area.
  • Take pictures of the building and its contents for insurance purposes.
We here at Veteran Home Inspections wish everyone in the areas affected by Hurricane Harvey the best.  Take care and be safe.

Mike & Jamie Marlow
Veteran Home Inspections, PLLC
210-202-1974

Wednesday, August 23, 2017

Protect Your Property From Water Damage

With the predicted rainfalls coming from the hurricane headed towards the Texas coast, now is a good time to take a look around your property to see where your vulnerabilities to water are.  A little maintenance and repair now can keep you dry and keep your home or business safe.

Water may be essential to life, but, as a destructive force, water can diminish the value of your home or building. Homes as well as commercial buildings can suffer water damage that results in increased maintenance costs, a decrease in the value of the property, lowered productivity, and potential liability associated with a decline in indoor air quality. The best way to protect against this potential loss is to ensure that the building components which enclose the structure, known as the building envelope, are water-resistant. Also, you will want to ensure that manufacturing processes, if present, do not allow excess water to accumulate. Finally, make sure that the plumbing and ventilation systems, which can be quite complicated in buildings, operate efficiently and are well-maintained. This article provides some basic steps for identifying and eliminating potentially damaging excess moisture.

Identify and Repair All Leaks and Cracks
The following are common building-related sources of water intrusion:
  • windows and doors: Check for leaks around your windows, storefront systems and doors.
  • roof: Improper drainage systems and roof sloping reduce roof life and become a primary source of moisture intrusion. Leaks are also common around vents for exhaust or plumbing, rooftop air-conditioning units, or other specialized equipment.
  • foundation and exterior walls: Seal any cracks and holes in exterior walls, joints and foundations. These often develop as a naturally occurring byproduct of differential soil settlement.
  • plumbing: Check for leaking plumbing fixtures, dripping pipes (including fire sprinkler systems), clogged drains (both interior and exterior), defective water drainage systems and damaged manufacturing equipment.
  • ventilation, heating and air conditioning (HVAC) systems: Numerous types, some very sophisticated, are a crucial component to maintaining a healthy, comfortable work environment. They are comprised of a number of components (including chilled water piping and condensation drains) that can directly contribute to excessive moisture in the work environment. In addition, in humid climates, one of the functions of the system is to reduce the ambient air moisture level (relative humidity) throughout the building. An improperly operating HVAC system will not perform this function.
Prevent Water Intrusion Through Good Inspection and Maintenance Programs
Hire a qualified InterNACHI inspector to perform an inspection of the following elements of your building to ensure that they remain in good condition:
  • flashings and sealants: Flashing, which is typically a thin metal strip found around doors, windows and roofs, are designed to prevent water intrusion in spaces where two building materials come together. Sealants and caulking are specifically applied to prevent moisture intrusion at building joints. Both must be maintained and in good condition.
  • vents: All vents should have appropriate hoods, exhaust to the exterior, and be in good working order.
  • Review the use of manufacturing equipment that may include water for processing or cooling. Ensure wastewater drains adequately away, with no spillage. Check for condensation around hot or cold materials or heat-transfer equipment.
  • HVAC systems are much more complicated in commercial buildings. Check for leakage in supply and return water lines, pumps, air handlers and other components. Drain lines should be clean and clear of obstructions. Ductwork should be insulated to prevent condensation on exterior surfaces.
  • humidity: Except in specialized facilities, the relative humidity in your building should be between 30% and 50%. Condensation on windows, wet stains on walls and ceilings, and musty smells are signs that relative humidity may be high. If you are concerned about the humidity level in your building, consult with a mechanical engineer, contractor or air-conditioning repair company to determine if your HVAC system is properly sized and in good working order. A mechanical engineer should be consulted when renovations to interior spaces take place.
  • moist areas: Regularly clean off, then dry all surfaces where moisture frequently collects.
  • expansion joints: Expansion joints are materials between bricks, pipes and other building materials that absorb movement. If expansion joints are not in good condition, water intrusion can occur.
Protection From Water Damage
  • interior finish materials: Replace drywall, plaster, carpet and stained or water-damaged ceiling tiles. These are not only good evidence of a moisture intrusion problem, but can lead to deterioration of the work environment, if they remain over time.
  • exterior walls: Exterior walls are generally comprised of a number of materials combined into a wall assembly. When properly designed and constructed, the assembly is the first line of defense between water and the interior of your building. It is essential that they be maintained properly (including regular refinishing and/or resealing with the correct materials).
  • storage areas: Storage areas should be kept clean.  Allow air to circulate to prevent potential moisture accumulation.
Act Quickly if  Water Intrusion Occurs
Label shut-off valves so that the water supply can be easily closed in the event of a plumbing leak. If water intrusion does occur, you can minimize the damage by addressing the problem quickly and thoroughly. Immediately remove standing water and all moist materials, and consult with a building professional. Should your building become damaged by a catastrophic event, such as fire, flood or storm, take appropriate action to prevent further water damage, once it is safe to do so. This may include boarding up damaged windows, covering a damaged roof with plastic sheeting, and/or removing wet materials and supplies. Fast action on your part will help minimize the time and expense for repairs, resulting in a faster recovery.

For water intrusion and mold inspections, call Veteran Home Inspections at 210-202-1974.  You can also book online at www.vhillc.com