Skip to main content

Understanding the Inspection Period in Michigan: It’s More Than Just a Home Inspection

 


In Michigan, many buyers believe that the home inspection period only applies to hiring a professional inspector to check the home’s physical condition. However, this period—commonly called the due diligence or inspection contingency period—is your opportunity to fully investigate the home and surrounding factors that may affect your decision to move forward.

Typically, this inspection period lasts 7–10 days (or as defined in the purchase agreement) from the date your offer is accepted. During this time, you have the contractual right to cancel the agreement for any reason—whether due to inspection results, financing concerns, or just a change of heart. Once the contingency period ends, you're contractually obligated to move forward unless another contingency applies (such as financing or appraisal).

Here’s a checklist to help make sure your due diligence is complete before your contingency deadline.

✅ 1. Review the Seller's Property Disclosure Statement

In Michigan, sellers of residential homes are legally required to complete a Seller’s Disclosure Statement. You should have received this when making your offer. Now’s the time to review it carefully and follow up on any red flags.

Examples of what to look for:

  • Termite or pest control contracts – Not common in Michigan, but if present, ask:

    • When was the last treatment?

    • Is there a warranty?

    • When does the contract expire and what does it cover?

  • Foundation repairs – Ask for:

    • Copies of repair invoices

    • A detailed scope of work

    • Any warranty information and transfer process

  • Roof, HVAC, or window replacements – Request:

    • Warranty documents

    • Transfer instructions

  • Water intrusion – A concern in Michigan due to basements and seasonal shifts:

    • Has the basement ever flooded?

    • Were sump pumps installed or replaced?

    • Was mold remediation performed?

2. Verify Financing and Insurance Details 💰

Now is the time to confirm your numbers with your lender and insurance agent.

Ask your lender:

  • What is my estimated monthly mortgage payment, including taxes and insurance?

  • What is the total cash needed at closing?

  • When must these funds be available in my account?

  • When is my first mortgage payment due?

Talk to your insurance agent:

  • Get homeowners insurance quotes now—not after the inspection!

  • Even if your home is not in a designated flood zone, ask about flood insurance rates. In some areas of Michigan (especially near lakes or rivers), it's a smart extra layer of protection.

3. Check These Lifestyle and Property Details 🧭

These may not be deal-breakers, but they’re worth verifying while you still have time to walk away if needed:

  • School Districts – Check ratings and boundaries, especially in competitive areas like Ann Arbor, Saline, or Novi.

  • Homeowners Association (HOA) – If applicable, request:

    • Bylaws or deed restrictions

    • Fee amounts and payment schedules

    • Contact information for the HOA board or management

  • Measurements – Visit the property again:

    • Will your furniture fit?

    • Is your vehicle garage-compatible?

    • Do you need a counter-depth fridge or special appliance sizes?

  • Survey and Property Lines – If there’s any question about fences, sheds, or driveways crossing property lines, ask for a copy of the most recent survey (or consider ordering one).

  • Crime and Neighborhood Data – Sites like Michigan Incident Crime Reporting or local police departments can provide insights.

  • Commute Time – Try driving to work, school, or your favorite spots during your usual hours.

  • New Construction? – Ask for:

    • Builder’s warranty info

    • Any ongoing punch list items

4. Don't Skip the Professional Home Inspection 👷

Hiring a licensed Michigan home inspector is critical. They'll evaluate:

  • Roof and attic

  • Plumbing and electrical systems

  • Basement and foundation

  • Heating and cooling systems

  • Potential safety issues

Your inspector may recommend additional evaluations by specialists (e.g., radon, sewer line scoping, mold testing). Be sure to schedule these within the inspection period.

Final Thoughts: Use This Time to Protect Yourself

The due diligence period is often the most stressful part of the homebuying process—but it’s also the most important. This is your chance to dig deep and uncover any surprises before you’re legally bound to complete the purchase.

If you ask the right questions now, you can move forward toward closing with confidence and peace of mind.

Whether buying, selling, or seeking valuable insights into the market, I'm here to be your trusted guide in the dynamic world of real estate. Feel free to contact me for a confidential discussion, where we can explore your goals, address any questions, and navigate the exciting path of real estate together. Your real estate journey is unique, and I am committed to providing personalized assistance tailored to your needs. Don't hesitate to connect. 

Dani | 734-623-9442 | dani@danihallsell.com

Labels:

Comments

Post a Comment

Popular posts from this blog

✨ Friday Spotlight: Opening Doors with Bank of Ann Arbor’s Community Impact Program 🏡

  When homeownership feels out of reach, Bank of Ann Arbor is stepping up with a powerful solution: the Community Impact Program , designed to help low- to moderate-income Michigan residents become homeowners 💪. Bank of Ann Arbor is committed to providing accessible and affordable mortgage solutions that foster homeownership and financial stability for first-time buyers. Their experienced team is here to answer your questions and guide you every step of the way 🛤️. 📋 Program Highlights: ✅ Supports first-time homebuyers earning 80% or less of Area Median Income ✅ Up to 100% loan-to-value on purchases ✅ Minimum credit score: 620 ✅ Can be combined with the Community Impact Grant Program or other qualified down payment assistance programs—up to $8,000 💸 ✅ No private mortgage insurance (PMI) = lower monthly payments 💰 Meet the Advocate: Constance Pearson Ramirez 💬 At the heart of this initiative is Constance Pearson Ramirez , Community Engagement Officer at Bank of Ann ...
Post a Comment
Read more

🏡 Washtenaw County’s Older Adult Millage: Supporting Seniors for a Better Future

  In November 2024, Washtenaw County voters approved the Older Persons Services Millage , a dedicated property tax aimed at enhancing services and support for residents aged 60 and older. The 0.5-mill levy, set to run for eight years (2024-2031), is projected to generate approximately $11.6 million in its first year. 💡 What Is It and How Does It Work? The Older Adult Millage was created to address the growing senior population in Washtenaw County. With over 72,000 residents aged 60+, this initiative ensures that older adults have access to vital services that enhance their safety, well-being, and independence. Funds collected from the millage are allocated to organizations that provide essential services, such as home assistance, transportation, and caregiver support. 👵 Who Benefits? The millage supports older adults (60+) living in Washtenaw County by funding programs that promote independence, safety, and overall well-being. ✅ Key Services Provided: 🏠 Safe & Supported Ho...
Post a Comment
Read more

Mood-Boosting Paint Colors for Your Home

  The paint colors that you choose for your home have a subconscious effect on your mood. That's why taking the time to figure out which colors work best in your rooms is key to tying your home together. While it can be tempting to stick to strictly neutral tones, consider introducing a few other colors to brighten and influence the mood of your spaces. Here's a look at each color's impacts and which rooms these hues are best suited for in your home. Red Red is perfect for the entryway because it evokes energy and excitement. Adding a red accent wall or painting your front door red will provide a pop of color that sets the tone as soon as you set foot in the home. You'll want to avoid this color in bedrooms and other spaces for relaxing because of its energy-stimulating effects. Yellow When using yellow, consider warm pastel shades, which create feelings of positivity and friendliness. This color functions well in kitchen spaces, creating a welcoming atmosphere. Steer c...
Post a Comment
Read more