Your Rights Against The Home Inspector

It's possible that the amount you can sue for is limited only to the 
cost of the inspection. Such may depend on the wording in your inspection 
agreement as well as GA case law.

See This Link And Then Google Georgia Law

http://realtytimes.com/rtinteractive/20000815_liability.htm
Another effort to limit liability is the path chosen by Georgia home 
inspectors. According to Bob Hamilton, executive vice president of the 
Georgia Association of Realtors, inspectors in that state routinely limit 
their liability to the value of the work they perform -- say $300 for a 
typical home inspection. 

The Georgia inspectors have used such wording for a number of years and 
when the matter was recently challenged in court the limitation was 
upheld. 

Other GA Law On Your Subject

Georgia Trade practice act (Chapter 3, Title 8) enacted in 1994. 
Georgia law requires home inspectors to provide written documents containing 
certain information with regard to inspections. This written document 
must include the scope of the inspection, including the structural 
elements and systems to be inspected, that the inspection is a visual 
inspection, and that the home inspector will notify, in writing, the person 
on whose behalf such inspection is being made of any defects noted 
during the inspection.

For more information, contact the Secretary of State, Construction 
Industry License Board.
(901) 207-1416 phone
(901) 207-1425 fax

Avoiding Foreclosure

Resources & Your Rights To Avoid Foreclosure
Types of foreclosure help, where to get it, who owns your loan, time it takes to foreclose and more.

The HomeSafe Georgia Program (877) 519-4443
The HomeSafe Georgia Unemployment Program provides assistance for homeowners who have become unemployed or were unemployed or underemployed through no fault of their own. For those who qualify, the program offers two types of assistance: Mortgage Payment for those not delinquent and Mortgage Reinstatement for those who have fallen behind on their payments.. Eligible homeowners will close on a subordinate 0% interest rate loan similar to a home equity line of credit. These funds will be used to make mortgage payments for up to a maximum of 18 months under Payment Assistance, or will be used to reinstate an existing mortgage that is up to 6 months delinquent under Reinstatement Assistance.  Following the assistance period, the HomeSafe Georgia lien is balanced to the actual assistance use; the loan will be forgiven at a rate of 20% per year for five years. Unemployment Program assistance is available only once per homeowner or property address.

Foreclosure Resources (Federal Reserve Board)
Up to date help during the housing crisis.

The Home Ownership Preservation Foundation 877-362-6631
24 hour hotline for any borrower in distress.
For EMC Customers, call The Mod Squad 877-362-6631

Can't Pay Your Rent, Mortgage or Utilities? (Consumer-SOS)
Step by step on what to do and where to go for assistance. Has local help groups for the above.

What Is Foreclosure & How it Works (All 50 States & DC)
When a lender--usually a bank--tries to take your property away from you, the law protects you, and your property, for as long as possible. Scroll down the laws and procedures in all 50 states.

Summary Of Foreclosure Laws In All 50 States

Defending Against Foreclosures (Not States Specific)

State-By-State Guide To Lien Laws (All 50 states & DC)
Homeowners: learn what a creditor must do to secure a lien on your house and the limits on what property they can attach it to.

Foreclosure Protections & the Military: When a Servicemember Gets a Mortgage After Going on Active Duty
The Servicemembers Civil Relief Act (SCRA) provides legal relief to military personnel who are in danger of foreclosure. Not only are servicemembers entitled to certain protections from foreclosure for loans taken out before going on active duty, the SCRA also provides some protection if you took out the loan after going on active duty.

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Home Improvements

*Home Improvements (GA)
Choosing a contractor, what should be in the contract, records you should keep and how to structure the deal and more.

*How To Avoid Getting Ripped Off By Home Repair Contractors (GA)

Repairs and Mechanics' Liens In Georgia
Applies to home improvement contractors and their subcontractors. So make sure all subcontractors are paid before paying the contractor or they can put a lien on your house!

Removing An Old Mechanics Lien From My Title (GA)
Once filed, a Georgia mechanics lien will only last for one year after filing. If an enforcement action isn’t initiated within that timeframe, the claim will expire and no longer be enforceable.  Furthermore, within 30 days after commencing the action to enforce (within 395 days from the filing of the lien), the claimant must file a “commencement of lien action notice” with the clerk of the superior court of the county in which the lien was filed. Failure to meet either deadline (for initiation of enforcement action or filing notice of such action) will result in the expiration of the lien claim. So yes, the lien may sit on your title. But it can be ignored. See also O.C.G.A 44-14-367 - Notice; required statement.

Hiring A Contractor (Great On The Do's and Don'ts!)

Tips For Hiring A Contractor
Very basic tips and some links.

The Cooling Off Rule (When You Can Cancel A Sale or Sales Contract)

www.improvenet.com
Check this site for contractors and architects.  Outline your project and ImproveNet will submit the details to approved professions in your area.  It will then tell you who wants the work.

State-by-State Guide To Lien Laws (All 50 States & DC)
Homeowners: learn what a contractor must do to secure a lien and the limits on what property they can attach it to.

For More on Cancellations,  See Contracts

For Pulling Your Contractor's License, See
Occupational Licensing Boards

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Home Loans & Mortgages
Home Loans
Mortgages

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Inspections & Housing Codes

*Atlanta Housing Help 
Where to find help in 25 areas related to housing.

*Georgia Housing Code Guide
Complaints and inspections relating to rental property, vacant lots health hazards and nuisances.  Lists housing code agencies in Metro Atlanta.

Find Your City's Municipal Codes
Learn how your city code treats, garbage, nuisance and safety hazards. If you can't find your city, follow their links to other code sites that can help you.

House Inspections

Can I Sue The Housing Inspector For Not Discovering The Defect? (Consumer-SOS)

Find A Home Inspector Nearest You  (All 50 states & DC)
Website of the American Society of Home Inspectors.

Inspect America (DC and Most States)
Find an easy way to locate a home inspector in your area, learn the credentials and affiliations your home inspector should have,  what to expect before, during, and after a house inspection, how the results of the on- site home inspection should be presented to you and what to expect after the home inspection. 

Find Your Local Newspaper, Magazine, Radio & TV Stations
Give them a little bad press and you're bargaining power increases tremendously. Select your state, and then click on your county or city for the proper media to report to. (DC Not Included).
 
For More See Nolo.com

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Insurance

* Homeowner's Insurance (GA)

Flood Insurance Facts (GA)

Homeowner's Insurance Worksheet (GA)
When you call an agent to find out how much it will cost to insure a home, you will need the following information. Without it, you may not get a quote or the quote may not be accurate. Answer these questions before you make the phone call or stop
into an office.

Homeowner's Insurance (Nolo.com)
Get the basics on homeowner's insurance and the importance of doing a home inventory.

www.insure.com  
Provides well written, authoritative advice on buying home and other insurance as well as dealing with insurers.  Buyers can search for firms offering specific coverage in their state and can check a company's strength.  You can also link to insurance companies, quote services and agents, but any  selling takes place off their website site.

Homeowner Insurance Claim Letter


Cancellation Of Private Mortgage Insurance: New Federal Law May Save You Hundreds of Dollars Each Year

See Consumer-SOS-Insurance

For More See Nolo.com


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