Your inspector may or may not be required to have a minimun amount of insurance coverage. Some states have licensing requirements while others do not. Here in Washington, all inspectors are required to be licensed by the Washington State Department of Agriculture to be Structural Pest Inspectors (SPIs). The minimum insurance requriement is $25,000. If your state requires such coverage, make sure your inspector is not limiting his liability in his pre-inspection agreement to the price of the inspection. This is common. Limiting the liability, in Washington, to lower than $25,000 will result in an immediate suspension of the SPI license.
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