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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

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