STATE REQUIREMENTS

Alabama

• Licensed by the Alabama Building Commission
• (334) 242-4082 or http://www.bc.state.al.us/HI%20Menu.htm

Insurance Requirements:

• a. General Liability Insurance
• 1. Minimum $20,000 for injury or damage to property
• 2. Minimum $50,000 for injury or damage (including death) to any one person
• 3. Minimum $100,000 for injury or damage (including death) to more than one person
• b. E&O is not required at this time, but it will be reviewed by the Alabama Building Commission in 2003 as a possible requirement.

Alaska

• Pending legislation for regulation
• No insurance requirements

Arizona

Certified by the State Board of Technical Registration (SBTR) (602) 255-4053 or http://www.btr.state.az.us/
Insurance Requirements, State requires one of the following:

• a. E&O in the amount of $200,000 aggregate, $100,000 per occurrence
• b. 25,000 bond
• c. Financial Assurance mechanism of at least $25,000

Arkansas

• Registration required through the Secretary of State, Division of Corporations (501) 682-3409 or http:www.ark-homeinspectors.com/law_formatted.htm Insurance Requirements:
• a. Minimum $100,000 general liability
• b. Workers Compensation Coverage (if applicable)
• c. Must demonstrate a positive net worth or provide a $10,000 bond payable to the Secretary of State

California

• Must adhere to the CA Trade Practice Act (Chapter 338) enacted in 1996
• (916) 255-3900 or http://www.leginfo.ca.gov/cgi-bin/displaycode?section=bpc&group=07001-08000&file=7195-7199.
• No insurance requirements

Canada

• No pending legislation
• No insurance requirements

Colorado

• No pending legislation
• No insurance requirements

Connecticut

• Licensed under the Home Inspection Licensing Board (860) 713-6000 or http://www.dcp.state.ct.us/licensing/professions.htm
• No Insurance Requirements

Delaware

• No pending legislation
• No insurance requirements

Florida

• No pending legislation
• No insurance requirements

Georgia

• Must adhere to the GA Trade Practice Act (Chapter 3, Title 8) enacted in 1994
• (901) 207-1416 or http://www.state.ga.us/cgi-bin/pub/ocode/ocgsearch?docname=OCode/G/8/3/330.
• No insurance Requirements

Hawaii

• No pending legislation
• No insurance requirements

Idaho

• No pending legislation
• No insurance Requirements

Illinois

• No Insurance Requirements

Indiana

• No pending legislation
• No insurance requirements

Iowa

• No pending legislation
• No insurance requirements

Kansas

• No pending legislation
• No insurance requirements

Kentucky

• Proposed legislation
• No insurance requirements

Louisiana

Licensed by the LA State Board of Home Inspectors within the Dept. of Economic Development (225) 248-1334 or http://www.lsbhi.com/documents.htm

Insurance Requirements:

• General Liability - Minimum of $300,000 E&O - Minimum of $300.000
• a. A MAXIMUM DEDUCTIBLE OF $2,500 IS ALLOWED
• b. Must have the "Louisiana State Board of Home Inspectors" listed as a certificate holder
• c. FREA is the established group policy for the state

Maine

• No pending legislation
• No insurance requirements

Maryland

Licensed by the State Commission of Appraisers and Home Inspectors* 410-230-6165 or http://www.dllr.state.md.us/license/occprof/reappr.html *Licensing deferred until at least July 2003

Insurance Requirements:

• General Liability minimum of $50,000

Massachusetts

Licensed by the Board of Registration of Home Inspectors (617) 727-9921 or http://www.state.ma.us/reg/boards/hi/

Insurance Requirements:

• Minimum of $250,000 of E&O Insurance

Michigan

• No pending legislation
• No insurance requirements

Minnesota

• No pending legislation
• No insurance requirements

Mississippi

Licensed by the Mississippi Real Estate Commission (601) 932-9191 or http://www.mrec.state.ms.us/

Insurance Requirements:

• General Liability - Minimum $250,000 E&O - Minimum $250,000 per occurrence

Missouri

• No pending legislation
• No insurance requirements

Montana

• Must adhere to the MT Trade Practice Act (Chapter 14, Title 30) enacted in 1999 Office of Building Codes and Inspection (406) 444-3933 or http://data.opi.state.mt.us/bills/BillHtml/SB0210.htm
• No insurance requirements

Nebraska

• No pending legislation
• No insurance requirements

Nevada

Certified by the Real Estate Division of the Department of Business and Industry (775) 687-4280 or http://www.leg.state.nv.us/nac/nac-645d.html

Insurance Requirements:

• General Liability minimum $100,000 E&O minimum $100,000

New Hampshire

• No pending legislation
• No insurance requirements

New Jersey

Licensed by the State Board of Professional Engineers and Land Surveyors (973) 504-6200 or http://www.state.nj.us/lps/ca/pels/histats.htm

Insurance Requirements:

• Minimum $500,000 E&O Insurance

New Mexico

• No pending legislation
• No Insurance requirements

New York

• Uses InterNACHI's exam for licensing.
• GL insurance requirement

North Carolina

• Licensed by the Home Inspector Licensing Board within the Department of Insurance (910) 715-0991 or http://www.ncdoi.com
• No insurance requirements

North Dakota

• Uses InterNACHI's exam for licensing.
• $100,000 E&O required.

Ohio

• No insurance requirements

Oklahoma

Licensed through the State Board of Health and the Committee of Home Inspector Examiners (405) 271-5217 or http://www.health.state.ok.us/

Insurance Requirements:

• Minimum $50,000 of General liability

Oregon

Certification by the Oregon Construction Contractors Board (CCB) (503) 378-4621 or http://ccbed.ccb.state.or.us/WebPDF/CCB/Publications/hi-s-sop.pdf

Insurance Requirements:

• Either a $10,000 or $15,000 bond and Either $300,000 or $500,000 in E&O insurance

Pennsylvania

Certification by the International Association of Certified Home Inspectors (610) 933-4241 or http://www.nachi.org and regulated by the PA Bureau of Consumer Protection (717) 787-9707 or http://www.legis.state.pa.us/WU01/LI/BI/BT/1999/0/SB1032P2140.HTM

Insurance Requirements:

• Minimum $100,000 per occurrence and $500,000 aggregate E&O

Rhode Island

Licensed by the Contractors Registration Board

(401) 222-1268 or http://www.crb.state.ri.us/inspectors.htm

Insurance Requirements:

• Minimum of $250,000 General liability insurance
• Minimum of $250,000 E&O Insurance

South Carolina

• Licensed by SC Residential Builders Commission
• (803) 896-4603 or http://www.IIr.state.sc.us
• No Insurance Requirements

South Dakota

• Licensed by the South Dakota Real Estate Commission
• (605) 773-3600 or http://www.state.sd.us/sdrec/
• No insurance requirements

Tennessee

• Certification required by Department of Commerce, Division of Regulatory Boards (only applicable in certain counties) (615) 741-3449 or http://www.state.tn.us/commerce
• No Insurance requirements

Texas

• Licensed by the Texas Real Estate Commission (512) 465-3900 or http://www.trec.state.tx.us/
• Minimum E&O insurance $100,000 per occurrence

Utah

• No pending legislation
• No insurance requirements

Vermont

• No pending legislation
• No insurance requirements

Virginia

Certified by the Virginia Board for Asbestos, Lead and Home Inspectors* (804) 367-5807 or http://www.state.va.us/dpor/asb_main.htm

No insurance requirement*

• *Licensing laws are pending and should go into effect July 1, 2003. There may be an insurance requirement at this time.

Washington

• No pending legislation
• No insurance requirements

West Virginia

• No pending legislation
• No insurance requirements

Wisconsin

• Certification required by the Department of Regulation and Licensing 608-266-2112 or http://www.state.wi.us/agencies/drl/
• No insurance requirements

Wyoming

• No pending legislation
• No insurance requirements