Depends on where you live.
The bank will often send an inspector for a loan, but it’s literally him just walking around and validating there is a house and it’s not in shambles. He’ll look at things like the roof from the outside and when it was redone, but isn’t going to hop into your crawlspace to look for signs of water damage.
Then you have the “private” inspection company that you can pay to check your home for yourself. These companies are know to cost a lot of money, often detailing things they can’t be sure are “risks”. They’ll go in the crawlspace and note all sorts of things.
On my house the expensive private inspection said “the roof here is kinda saggin and there’s a bump there, it could be anything”. In the same report he accidentally shows a picture from under the roof where you can see there was a repair and some extra framing, causing the small “bump” that is purely aesthetic. Didn’t mention that part.
Getting someone to look at it post purchase is likely going to be much cheaper, and I’m definitely not recommending people don’t get inspections when buying houses if they don’t know what they’re doing.
BradleyUffner@lemmy.world 1 month ago
For my first house, the bank’s inspector literally stopped his van in the middle of the road, took some pictures with his cell phone through the driver’s window, and drove off.
echodot@feddit.uk 1 month ago
Pretty much all my bank inspector did as well. He didn’t even inspect the electrical outlets because there was furniture in the way that he couldn’t be arsed moving.
My paid for inspection was done by a different person and they did all sorts. He even pointed out that the hole in the roof was a hole in the roof which was very helpful. The bank inspector never even noticed the hole.