What are the benefits of a structural inspection?

If you are selling a property, you can use this report to demonstrate the quality of the property and to remove any doubts that purchasers may have. In addition, you satisfy many of your legal responsibilities by supplying a structural report.
If you are a (potential) purchaser, you can use this report to estimate your (future) costs, and it is also a strong negotiation tool to use with the seller.

Is a home purchase inspection the same as a valuation?

No, a valuation determines the value of the home. A home inspection looks at the structural state of a building. In a structural report, there is a summary of the costs of the deficiencies, and no indication of the value of the home.

When is it wise to have a structural inspection performed?

Most inspections occur upon purchase. It is also a good idea to have your property inspected when you are selling so that a (potential) purchaser can rely on a report which is drawn up by an independent inspection firm. This speeds up the selling process. Having a property inspected upon completion can also save you a great deal of trouble.

Can I negotiate with a structural report?

Yes, it is rare for a home to have no deficiencies. A structural report which is drawn up by an expert states what the deficiencies are and what the cost of repairing those deficiencies will be. Naturally you can also use this in the negotiations and this way you can save thousands of euros.

Why an NHG inspection?

The National Mortgage Guarantee (NHG) is issued by the Foundation ‘Stichting Waarborgfonds Eigen Woningen’. It is the name of the guarantee that you can obtain if you take out a loan for buying or renovating a home. This means that the Foundation guarantees the repayment of your mortgage (amount) to the lender. If you wish to have a mortgage with a National Mortgage Guarantee, a structural report is sometimes compulsory.

What does a structural report describe?

A structural inspection provides a good overview of the structural condition of a property. For example:

  • Which parts need immediate (between 0-1 year) maintenance?
  • What maintenance will in the medium term (between 1-5 years) need to be performed?
  • What is the quality of the floor?
  • What is the structural condition?

These are a few of the questions that a structural inspection will answer.

What does a structural inspection cost?

ADA Keur keeps it simple, clear and inexpensive in terms of prices. There are two options: smaller than 800 m3 and larger than 800 m3. You can have a basic home inspection and report for €239. For €269 you can have a comprehensive home inspection and report. You will find more information about this on the rates page.

Are the costs of a home inspection tax-deductible?

Yes, the costs of a home inspection are tax-deductible. The costs of a home inspection must have been incurred in order to obtain a mortgage for the purchase or renovation of a home.

What are the hidden deficiencies?

Hidden deficiencies are deficiencies that become apparent after purchase and will lead to significant repair costs. The question is then whether these costs can be recovered from the seller.
In these types of cases, it is necessary to find out whether the deficiencies were already present prior to the sale, and whether the seller was aware of them and, therefore, should have informed the purchaser, or whether the purchaser should have seen the deficiencies as part of a normal inspection.

Obligation to supply information and obligation to investigate

In general, the seller is bound to report any facts to the purchaser which can be assumed to be relevant to the decision-making process of the purchase. On the other hand, the purchaser also has a duty to inspect.