Each coverage below is included with your inspection. Coverage runs from 90 days up to 5 years depending on the plan, and every plan is renewable for a nominal fee directly from Residential Warranty Services.
90-Day Warranty
Included with your inspection at no additional cost. If a major mechanical or structural component was working properly on inspection day and then fails shortly after you move in, this warranty is there to cover the repair — so an unlucky first month doesn't become an expensive one.
- Covers major mechanical and structural components verified to be in working order at the time of inspection
- Runs for 90 days from the inspection date, or 22 days after closing — whichever comes last
- No enrollment fee and no deductible paperwork on your end to activate it — coverage is attached when your report is delivered
- Administered by Residential Warranty Services, Inc. — an independent warranty provider since 1988
This is a repair warranty, not an insurance policy or a home warranty plan. It covers unexpected failures of items that passed inspection — not items already noted as defective in your report, and not normal wear, cosmetic issues, or routine maintenance.
NXT Structural Warranty
Structural problems are the repairs that genuinely hurt — foundations, framing, and load-bearing systems run into five and six figures. The NXT Structural Warranty comes with every home inspection I perform, at no additional cost.
- $100,000 in structural coverage for the first year
- Covers footings, foundation systems and walls, beams and girders, lintels, masonry arches, columns, load-bearing walls, roof framing, and floor systems
- No age limit — any home inspected by a certified inspector is eligible, old or new
- Includes up to $500 in engineering costs per claim
- You choose your own repair contractor
- Renewable in 1, 3, or 5-year increments after the first year
- Provided with every home inspection — nothing to purchase separately
A short overview of how the NXT Structural Warranty works.
This matters most on older Palm Coast homes, homes with any history of settlement or prior foundation repair, and any purchase where a structural surprise would be a financial emergency rather than an inconvenience. See the policy for full terms, coverage limits, and exclusions.
SewerGard
The pipes you can’t see are the ones that ruin a month. Sewer and water lines run underground and under slab, so no inspection — mine included — can confirm their condition end to end. SewerGard covers you if one fails after you move in.
- Covers collapse, blockage, and failure of the main sewer and septic line
- Covers breaks and leaks in the underground water supply line
- Applies to the buried portions serving the home — the parts nobody can inspect visually
- Included with your inspection at no additional cost
This is the coverage buyers thank me for most. A collapsed lateral under a Palm Coast driveway is a five-figure repair, and it gives no warning before it happens. See the policy for coverage limits, duration, and exclusions.
MoldSafe
Florida humidity does what Florida humidity does. If mold shows up in the home after your inspection — in a spot that wasn’t visible or present on inspection day — MoldSafe covers the remediation rather than leaving you to absorb it.
- Covers remediation of newly discovered mold not identified at the time of inspection
- Applies to mold that appears after the inspection, not pre-existing growth already noted in your report
- Included with your inspection at no additional cost
Mold behind a wall or under a cabinet base is genuinely invisible during a non-invasive inspection. This covers the gap between what can be seen and what can be there. See the policy for limits and exclusions.
Platinum Roof Protection Plan
Roofs are the single most expensive thing I inspect, and a leak that starts after closing is a miserable surprise. This plan covers roof leaks that develop after your inspection — and in Florida, that’s coverage worth having.
- Covers roof leaks that develop after the inspection date
- Applies to a roof reported in serviceable condition at the time of inspection
- Multi-year term — one of the longest coverages in the package
- Included with your inspection at no additional cost
Does not cover a roof already at or near end of life, or leaks noted in your report. If your roof is aging, I’ll tell you plainly in the walkthrough — and that’s a wind mitigation conversation too, since a newer roof earns insurance credits. See the policy for full terms.
How to File a Claim
These coverages are administered by Residential Warranty Services, Inc., not by me — but I'm your first call either way. I'll help you figure out whether something is covered and walk you through the filing.
- 1. Stop the damage, don't start the repair. Shut off water, kill power to the affected system, and prevent it from getting worse. Do not begin repairs or replace the component before the claim is approved — work done ahead of approval is typically not reimbursed.
- 2. Document it. Photograph or video the failure, and keep the original inspection report handy — the claim is tied to it.
- 3. File promptly. Report the failure as soon as you discover it and while coverage is still active. These are short coverage windows; a late claim is a denied claim.
- 4. Call me. (386) 302-2183 or legacyinspections@outlook.com. I'll pull your inspection details and get you to the right claims contact at Residential Warranty Services.
- 5. Get authorization before work begins. Once the claim is approved you'll be cleared to proceed, and with the NXT warranty you can use the contractor of your choosing.
The single most common reason a valid claim gets denied is repairing first and calling second. Call before the contractor starts.
Questions About Coverage?