湾区买房被坑经历+求建议

Patrickcy 发表于 2022-6-7 10:29
是的。但是要看这个水哪里来的。。。除非之前的inpector 完全不看。不然应该挺明显的会写上，rent back  ...

这就是我们的难题了啊。inspector report里只提到比较潮湿，没说有standing water。但是房子close之后2，3个星期，也就是inspection两个月之后，我们就发现了有standing water。找的两个不同plumber都说，是漏水造成的，下水管都该换掉了。

所以，现在在联系inspector。我们的损失是由inspector的negligence造成的：inspection report里丝毫没有提到下水管很老了，漏水，需要全部换掉。

soloking 发表于 2022-6-7 10:35
这种全套齐的是好还是不好呢。。。
说好吧 是觉得起码在采取措施
不好吧 说明问题还是比较严重的。。不 ...

在半岛算好，因为半岛大部分地方的SFH cralwing space里都很潮，早晚都得配，除非你就愿意底下一直有水最后把木头给泡坏、水泥墩子泡裂开。。

1. 基本不用想告inspector，首先像前面有的人讲的，这个inspector如果不是你出钱雇的，你恐怕告不了；即使是你出钱雇的，一般report上一大堆免责条款，report is just for your reference，不承担责任的。inspection report本质上不是保你什么，而是需要你自己有一定经验，从中发现珠丝马迹，然后再追查。
2. 告seller难度也是比较大的，一般来讲成交以后是怎么样就怎么样，哪怕之前seller搞了违建（这肯定是明知的），也是buyer的锅的；更别说任何建筑质量问题，很难追究。基本上你主要的希望就是能够证明他在disclosure里故意撒谎，这个一般并不太不容易给你抓到把柄。
3. 你现在的plumber的报价不一定可信，需要多报几家，多看几家，好多plumber的讲法会矛盾的，即使诊断一致，价格差别也很大。
4、如果简单评估一下告的难度很难，尽快修吧，越晚修damage越大。

herbalist 发表于 2022-6-7 19:55
1. 基本不用想告inspector，首先像前面有的人讲的，这个inspector如果不是你出钱雇的，你恐怕告不了；即使 ...

说的有道理

jiagaoxiang 发表于 2022-06-02 14:09:37
buyer agent和贷款的agent都说，湾区rent back很常见 感觉在湾区，buyer没有丝毫尊严。唉，太窝囊了

同上。rent back在热门地区真的超级多。纽约也是…

herbalist 发表于 2022-6-7 16:55
1. 基本不用想告inspector，首先像前面有的人讲的，这个inspector如果不是你出钱雇的，你恐怕告不了；即使 ...

联系了inspector，他直接联系了他的保险公司。保险公司开始调查了，给我的email：

xxx Claims Management, LLC has been appointed as the Claim Administrator for Associated Industries Insurance Company with respect to the above-captioned claim. We are writing to acknowledge receipt of a claim that was recently referred to us for handling. We are in the process of investigating this claim and will be communicating with you in the near future.



Please send copies of the following documents (unless previously submitted):



A written statement detailing the claims and an itemization of damages you are presenting against xxx City, LLC.
Color photographs documenting the conditions and claims you are presenting against xxx City, LLC.
Itemized estimates/invoices related to the damages claimed.
A timeline of when the conditions/damages were discovered and if repairs were performed when said repairs were performed and by whom.
Names and contact information for any person or entity with knowledge regarding this loss.
If you have presented a homeowners insurance claim, please provide us with the name and contact information of the adjuster handling the claim.
The seller disclosure form provided to you at the time of the purchase of your home; and
Any other documentation/evidence to support your claims for damages against xxx City, LLC.


All documentation should be submitted electronically by way of email to the assigned adjuster. Please be advised, submission of documentation by US Mail can lead to significant additional delays in processing and reviewing the claim. US Mail submission should only be used if no other option is available. Please feel free to contact the assigned adjuster to explore available options for electronic submission. If electronic submission is not possible, please do not send original documents or actual photographs, unless requested to by the adjuster, send copies only, and forward documentation by US Mail to the following address:



xxx

xxx Claims Management LLC

xxx

xxx, CA 9xxxx



Upon our receipt of your damage documentation, we will review the claim, complete our investigation, and evaluate the claim for any liability on the part of our insured pursuant to the terms of our policy of insurance. Please note that due to the detailed nature of our investigations and the consideration given to our review of all information gathered, the process for handling your claim can potentially be lengthy.



Please submit the requested information at your earliest convenience. Please note that this matter has just recently been transmitted to the assigned claims professional. Please allow 2 to 3 days for the claims professional to review this claim prior to contacting them. If this is an emergency, please reply to this email explaining the nature of the emergency, and a representative will contact you.



This claim has been assigned the above-referenced claim number and assigned to xxx


这么看来，是有戏？保险公司调查的话，是看什么证据呢？还是说，他们可以派人去现场调查？我感觉，我提供的plumber的report不是非常权威啊，只有报价，没有说清楚问题。难道我要找专门的inspection company出一个报告？打算明天打电话问问这个保险公司的小哥。

借这个帖说说对inspection report 的看法，inspection report 但凡指出XX有漏水痕迹这种一定不要当成字面意义去理解，告诉你那里有漏水痕迹，那么就一定有漏水，凡漏水就有可能是大问题。我买房子也是指出天花板有一处湿度高于正常值范围，我就当作漏水问题跟卖家扯皮了近两周然后才move on.

siber_y 发表于 2022-06-07 19:02:34
借这个帖说说对inspection report 的看法，inspection report 但凡指出XX有漏水痕迹这种一定不要当成字面意义去理解，告诉你那里有漏水痕迹，那么就一定有漏水，凡漏水就有可

我这个只是提到了corrosion。结果，是多个地方漏水，用了七十多年的老管子要全部换掉

jiagaoxiang 发表于 2022-6-7 20:56
联系了inspector，他直接联系了他的保险公司。保险公司开始调查了，给我的email：

xxx Claims Managem ...

和保险公司扯这种皮，几乎没有赢的可能。
你仔细看看inspection的免责条款，只负责肉眼可见，检查当天的情况，只负责描述所见事实，不负责推断原因。你的报告里描述的很清楚，你去哪里打这个官司都不占理，更何况保险公司的律师就是吃这碗饭。

你得从卖家下手，证明他们知道。怎么证明，就看你的想象力了。小区有FB nextdoor群么？他们在群里问过plumber recommendation么？有任何一点点维修的痕迹么？问问邻居，他们有聊过么？有看见他们雇人维修么？最牛的是，你能找到他们找的抽水的人么？你推断他们做了XYZ根本没用的，需要的是证据。

xiexiaofan 发表于 2022-06-07 20:31:04
和保险公司扯这种皮，几乎没有赢的可能。
你仔细看看inspection的免责条款，只负责肉眼可见，检查当天的情况，只负责描述所见事实，不负责推断原因。你的报告里描述的很清楚，你去哪里打这个官司都不占

照你这样说 就只能自认倒霉了😂