Not if there is any way you can avoid it. And definitely do not bring up the fact that you have had a home inspection or volunteer to send them a report. A comprehensive home inspection report is simply more information than is necessary for an underwriter to make a determination as to whether to approve a mortgage or issue a homeowners policy. 

   If either of them insist on receiving a report, we suggest that you offer to provide a four-point inspection report. The company that did your original home inspection provide can usually provide one at a nominal additional cost. A “four point” provides basic information about the four main components of a home that mortgage lenders and insurance companies are concerned about: 1) the roof, 2) electrical system, 3) plumbing system, and 4) heating and air conditioning system.

    Your insurance company in Florida may also request a wind mitigation inspection report, which is a separate inspection that evaluates the hurricane resistance of your home for possible insurance premium discounts.

    Also, see our blog post How can I make sure I don't get screwed on my home inspection?

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  To learn more strategies for getting the best possible home inspection, here’s a few of our other blog posts:

• How thorough is a home inspector required to be when inspecting a house?

• Should I trust the Seller's Property Disclosure Statement?

• Can I do my own home inspection?

• How can homebuyers protect themselves against buying a house over a sinkhole? 

• The seller gave me a report from a previous home inspection. Should I use it or get my own inspector? 

    To read about issues related to homes of particular type or one built in a specific decade, visit one of these blog posts:

• What are the common problems to look for when buying a 1940s house?

• What are the common problems to look for when buying a 1950s house?

• What are the common problems to look for when buying a 1960s house?

• What are the common problems to look for when buying a 1970s house?

• What are the common problems to look for when buying a 1980s house?

• What are the common problems to look for when buying a 1990s house?

• What problems should I look for when buying a country house or rural property? 

• What problems should I look for when buying a house that has been moved?

• What problems should I look for when buying a house that has been vacant or abandoned?

• What are the most common problems with older mobile homes?

• What do I need to know about a condo inspection?

• What are the "Aging In Place" features to look for when buying a retirement home?

   Visit our HOME INSPECTION page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.