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INSPECTIONS – Private v Municipal

A municipal/city inspection may be required by the city or municipality of the home you’re selling/buying, where as a private home inspection is optional and it is up to the buyer and/or often their upcoming mortgage company whether they want or need to have one done.

The seller typically pays for a city or municipal inspection. A private home inspection is usually the buyer’s expense.

Both inspections may cover items like CO-2 detectors and smoke alarms but may differ greatly in other ways. The municipal inspector may check on permits history, zoning and possible parking issues, but typically do not include an inspection of the roof, electrical panels, plumbing systems, furnaces, water heaters, structural issues, termites etc. A private home inspection will typically cover all those items and more.

Both types of inspections benefit the buyer. It’s wise for a buyer to have a regular home inspection regardless of whether the city or municipality requires one of their own. Overall, the private home inspection will generally cover more items, be more through and is generally considered the most important.

Note: If you’re selling your home As Is, you are declaring you have no intention of making any repairs or further updates to your home. That does not mean however, that if you’re a buyer you shouldn’t be diligent and have an inspection done before you find yourself with a nightmare home of repairs vs your dream home of happy ever after!

NOTE: The state of WI has recently made it illegal for cities/municipalities to require a city inspection prior to selling your home.