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Capital Property Inspection

July 3, 2019

Our Capstone Guarantees

Our Capstone Guarantees represent our highest business ideals at Capital Property Inspection.  They are part of our mission to provide thorough, high quality and honest, home inspection services to our clients that exceed expectations.






Capstone Guarantee #1:  90-Day “Money Back If We Missed Something” Guarantee

We are confident our certified inspector will perform a complete and thorough full home inspection for you in compliance with our designated standards of practice, and all applicable state and local codes.  However, if you later find a deficiency within 90 days that was not in the original report, Capital Property Inspection will reimburse you as described below, up to the cost of the inspection fee or a $650 maximum (whichever is less).   All claims subject to review.

The Capital Property Inspection reports are subject to the terms and conditions described below.

Capstone Guarantee #2: “Reimbursement Check” Guarantee

You are entitled to a reimbursement check within 10 business days if you submit a claim with all required documentation that is ultimately approved.  The amount will be determined as outlined below.

Capstone Guarantee #3: 90-day “Roof Leak” Guarantee

The coverage amounts per guarantees and systems are:  $350 per leak occurrence (covers leak repairs only, not replacement of roof areas; limited to visible/accessible roof areas only)

Capstone Guarantee #4: 90-day “Mechanical / Structural” Guarantee

The coverage amounts per guarantees and systems are:  Plumbing $250, Electrical $250, Built-in Appliances – $250, HVAC – $350, Garage – $150, Structure – $350 – limitations apply to covered items.

Capstone Guarantee #5: 90-day “Mold Free” Guarantee

The coverage amount is $500 towards treatment and/or abatement of visible mold not uncovered by the inspector. (Note:  this must be visible mold, and not mold uncovered by any sort of construction or remodeling of the ceiling, floor opening, cabinet removal baseboard removal, etc.  New mold growth is not covered.

Capstone Guarantee #6:  90-day  “Underground Sewer/Water line” Guarantee

The coverage amount is $500 towards repairs of underground sewer or water line. Issues include line breaks or water leaks underground from the front connection point to the structure to the sidewalk or city curb.  (Note:  this does not cover clogs or root intrusion.)



  • Deficiency: A defective item, component or system that was not reported (or reported incorrectly) in the inspection report, provided that such item, component or system (a) is within the building’s foundation area, (b) was required to be inspected in accordance with the Designated Standards, (c) was not disclaimed by the inspector either in the inspection agreement, disclaimers or inspection report and (d) is not specifically excluded from coverage in the CAPITAL PROPERTY INSPECTION Inspection Guarantees.
  • Designated Standards: The standard of practice and care for the inspection designated in our contract, report or marketing materials for full home inspections. It is the client’s responsibility to read the entire SOPs provided via link in our contract or follow this link:
  • Residential only: Single family, Condos, Townhomes, Mobile Homes, Manufactured Homes and Multi-family dwellings (4 units or less) are covered. Commercial structures, non-residential structures, out structures and multi-family dwellings over 4 units are excluded from all guarantees.
  • Guarantee Period: The period that ends 90 days after the date of the inspection, no exceptions.

CAPITAL PROPERTY INSPECTION  Claims Administrator:  The CAPITAL PROPERTY INSPECTION  claims administrator that manages the claims process for the CAPITAL PROPERTY INSPECTION  Inspection Guarantee.  There may be multiple administrators dealing with claims.

CAPITAL PROPERTY INSPECTION  will make only one payment per system, regardless of the number of Deficiencies in that system. If a claim is approved for Deficiencies in more than one system, CAPITAL PROPERTY INSPECTION  will make a payment for each system (up to the Coverage Limit for the aggregate payment). You may make more than one claim during the Guarantee Period, unless and until a payment has already been made for the applicable system or you have reached the Coverage Limit. For example, if a claim were to be approved for a discovered Deficiency in the HVAC system, CAPITAL PROPERTY INSPECTION  would pay you $350 or the inspection fee (whichever is less), no matter the cost of the repair. If the claim were for more than one Deficiency in the HVAC system, CAPITAL PROPERTY INSPECTION  would still pay $350 (or the inspection fee, if less) for that claim. If one Deficiency were in the roof and another in the structure, the aggregate payment would be the Coverage Limit amount of $650 (or the amount of the inspection fee, if less).

IMPORTANT NOTE:  If the Inspector or Inspection report recommends further evaluation or if a system or component of a system is marked as needing service, then is it up the the Claimant to provide physical proof that the advice givien by the Inspector or report was followed by the Claimant prior to releasing contingencies.  Further evaluation by a licensed contractor may lead to additional discoveries of defects or deficiencies;  note, these further discovered deficiencies are NOT covered by any guarantees.  Furthermore, failure to follow the advice written in the Inspection report will result in immediate denial of the claim.  This is NOT debatable term of these guarantees.  The inspection report is designed to provide you with point in time information and recommendations for further evaluations and service.  Simply and clearly stated:  If you choose not to follow the advice within the report, then you cannot expect to be reimbursed for the inspection fee or any claims against the inspection or guarantees.

How are claims processed?

This is the process for making a claim under the CAPITAL PROPERTY INSPECTION  Inspection Guarantee:

  1. You must submit all claims for alleged Deficiencies before the expiration of the Guarantee Period, which is 90 days from the date of the home inspection.
  2. You can submit a claim by calling the CAPITAL PROPERTY INSPECTION office at 800-494-8998 or by following this link: https://Capital Property Inspection
  3. You must provide a summary of the alleged Deficiency, including specific identification of the alleged Deficiency and its location in the home. You must be able to demonstrate to CAPITAL PROPERTY INSPECTION that the alleged Deficiency was required to be inspected and have a professional provide such proof. Your documentation should include photographs of the alleged Deficiency and any reports or other documents prepared by a third-party contractor that addresses the item or system involved.
  4. Claims will only be processed after all necessary information has been received by CAPITAL PROPERTY INSPECTION from the Client.  All required documentation must be received within sixty (60) days (“Documentation Period”) following the submission of the claim. Failing to submit the claim before the end of the Guarantee or failing to provide the required information within the Documentation Period will result in denial of your claim.
  5. If a claim is approved for coverage, in order to receive the payment you will be required to execute a release form that releases CAPITAL PROPERTY INSPECTION and the inspector from all liability. 7. Once you sign and return the release, CAPITAL PROPERTY INSPECTION  will send you a check for the approved claim amount. Please allow 10 days for processing all reimbursement checks.  Inspection fee refunds to credit cards used to pay for the inspection will required 48 hours to process.

Excluded Items:

The CAPITAL PROPERTY INSPECTION  Inspection Guarantee does not cover the following:

  • Commercial properties; multi-family dwellings (over 4 units), Common Areas as defined under California Civil Code Sections 1351 et seq., and any dwelling unit systems or components located in common areas;
  • Deficiencies related to items, systems and components that were excluded from the home inspection, as identified in the Designated Standards, the inspection report, inspection disclaimersor the inspection agreement;
  • Any item, system or component that was not readily available or not accessible to be inspected by the inspector; (for example, because the item, system or component needed to be operating in order to be inspected and it was shut down or otherwise inoperable at the time of the inspection, or because connecting piping, wiring and/or components were not readily accessible and visible at the time of the inspection);
  • Any systems, areas, equipment or components of systems where the Inspector marked the area as having limited access or limited visibility of said system, equipment or component (example 1: tile roofs, second story roofs, high roof areas, wet roofs may receive a limited to no view at all of these areas and must be further evaluated by a licensed roofer for full disclosure)(example 2:  internal areas of heaters, water heaters, gas thermocouple devices, gas leaks of any kind in any location, any and all supply valves, etc. are not viewed or tested during the inspection) claims Deficiencies in these areas will be denied if there is no proof of further evaluation after the home inspection and prior to release of inspection contingencies.
  • Any defects or deficiencies found behind the finished wall/ceiling/floor materials that was not readily visible during the inspection. Shower pan leaks, internal wall/ceiling/floor/slab leaks are not covered.  Wiring or wire connections concealed within walls, floors, ceilings or otherwise hidden by items such as insulation, etc. are not covered;
  • Any system or component installed or method utilized to control or remove suspected hazardous substances; Public or private waste disposal systems; Stoppage of water regardless of the reason;
  • Any consequential or incidental damages; water damage and drywall replacement is NOT covered in any way, shape or form. This includes new mold growth or the discovery of mold within walls, behind baseboards, etc.;
  • Any alleged Deficiency that is presented for coverage because it relates to a system or component that is not in compliance with codesregulations,ordinances and/or manufacturer installation specifications; Simply and clearly stated; The Inspector does not inspect items for building code compliance, municipal codes/requirements and does not verify installation to manufacturer specifications.
  • Failure of items, systems or components after the inspection is performed;
  • Any claims that do not meet the deadlines for claims processing described above;
  • Any additional services such radon tests, mold tests, or any other service provided by the inspector in addition to the home inspection (or any fees for such services).
  • Anything caused by natural acts or disasters such as (but not limited to): floods, landslides, excessive or abnormal rain/hail/sleet/snow, excessive or abnormal wind, earthquakes, sinkholes, etc.
  • Anything related to Asbestos, Lead based paint, wood destroying organisms (including, mildew, mold, fungus growth, poria, etc.). Mold growth in ventilated spaces (ie. Attics and/or foundation crawlspaces) is not covered.
  • Anything caused by recalled equipment or materials affected by any class action lawsuit.

Not an Insurance Policy, Service Contract or Home Warranty and is fully funded by The Capital Property Inspection  Group: The intent and purpose of the CAPITAL PROPERTY INSPECTION  Inspection Guarantees is not to provide insurance coverage of any kind. It is not a contract where one undertakes to indemnify another or pay a specified amount upon determinable contingencies. It is not a contract or agreement by which CAPITAL PROPERTY INSPECTION  or the CAPITAL PROPERTY INSPECTION  Claims Administrator, for consideration or not, promises to pay the Client upon the failure, destruction, loss or injury of something in which the Client has a pecuniary interest, or in consideration of a price paid, adequate to the risk, becomes security to the Client against loss by certain specified risks or to grant indemnity or security against loss for a consideration. Coverage is not predicated on the happening of any fortuitous event, any contemplated future occurrence or event, or any agreement by CAPITAL PROPERTY INSPECTION  or the CAPITAL PROPERTY INSPECTION  Claims Administrator to indemnify the Client against loss or damage to any system or component of the inspected property. The CAPITAL PROPERTY INSPECTION  Inspection Guarantees are not insurance of the risk that any inspected system or component will remain free from defect for any period of time. Claim Assistance: 1-800-494-8998  or to file a claim online go to https://Capital Property



21700 E COPLEY DR STE 390 • DIAMOND BAR, CA 91765 • (800) 494-8998 OR (909) 718-8682


Note: The CAPITAL PROPERTY INSPECTION  Guarantees cover deficiencies in the inspection that you discover within 90 days after the inspection.  It does NOT cover any item, system or component that fails after the inspection.  This is an inspection guarantee and not a home warranty, insurance product, or service contract and is completely funded by The Capital Property Inspection  Group Inspection Professionals.  If something fails after the inspection and you purchased home warranty, you are advised to file a claim with your home warranty company.



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