Tarion New Home Warranty – Do I Need an Inspection?

Every new home in Ontario is protected by a mandatory Warranty that is provided by the Builder and guaranteed by the Tarion Home Warranty Programme. The Warranty covers deposit insurance, protection against defects in work and materials, unauthorized substitutions, delayed closings or delayed occupancy. The most common claims relate to defects in work and materials, which require homeowners to submit a list of deficiencies at 30 day and one-year deadlines.
While Builders provide a pre-delivery inspection (PDI) for buyers just before closing, these are more related to cosmetic issues such as whether the chosen flooring, cabinets, countertops, etc. are installed. Although the PDI serves a purpose it really does not cover all the systems of the house.
While a typical PDI is basically a walk through inspection and generally takes about one hour, an independent thorough inspection should take about three hours and should include such items as foundation, roofing, grading, structure, insulation, plumbing, heating and ventilation.
While most people think that buying a new house will mean everything will be perfect, it’s not uncommon to find missing insulation in the attic, poor ventilation systems or even structural issues. An example of this may be something as simple as a bathroom fan venting into the attic. This can cause serious damage when moist air meets the cold attic. If caught quickly little damage will result but a year down the road, mould, mildew and even rot may be visible on the attic sheathing and rafters.
Although buyers may believe that the Builder and the City Inspectors will have thoroughly inspected everything, this is rarely the case. The problem generally stems from the fact that there are many tradesmen following each other during construction, each with a very tight schedule. On a large site with multiple trades and many house designs in different stages of construction it’s not unusual for some things to get moved or damaged or just plain forgotten.
The average home owner can not be expected to be familiar with the complex systems of a home.
A professional Home Inspection by a Registered Home Inspector (RHI) is your best defence when it comes to protecting your investment and receiving the full benefit of the New Home Warranty program.
When choosing an inspector, those with RHI designation have extensive training and are required to conform to a strict Code of Ethics and the Standards of Practice as set out by the Ontario Association of Home Inspectors.

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