Keeping Them Honest - Edition 3

This past Saturday we had the first inspection as required by the mortgage company.  Leading up to the inspection I read up on what to expect:

• inspector will come with complete insurance adjuster's work sheet
• inspector will thoroughly examine the work done
• inspector will check off items completed from the insurance adjuster' work sheet and the completion rate will be determined by the items complete vs. items outstanding

Here is what actually happened:

• inspector was 30 minutes late arriving, Dave is convinced the inspector had forgotten about the  appointment
• inspector arrives without any paperwork specific to our house
• inspector asks me, and I quote, "what all has to be done when a house floods"  ~ that was a sincere question on his behalf
• inspector walks through the house snaps a handful of photos, asks me for my estimate (percentage) of how much of the work has been complete
• inspector fills out generic form, lets me take a picture of it and then leaves

I couldn't make up a stranger scenario if I wanted to.  These inspections determine how much money we have access to and when we have access to it.  My assumption, based on the experience, is that the inspector had never seen a flooded house before, ever.  He seemed to have no appreciation for the amount of work that had occurred - every person that has been through (companies providing work and estimates) are always fast to say that we are further along than any other house they have seen post flood.  While the inspector was there I asked him (multiple times) if he wanted to see photos  and/videos documenting the progression of work that has happened.  He was totally uninterested. At the end of the appointment has asks, "So if you had to estimate, how much of the work is complete?"  Well that seems accurate.?.?  Glad that the mortgage company charges us for the inspection - if they wanted my opinion on the percentage of work complete they could have just asked me over the phone.