Your NCV (Non-Cancellable Visitor) or Vacation Home is probably one of the most important properties in your condo. If you had it listed as such on your condo corporation's website, and you have an NCV account, the possibility of it getting damaged during a storm or other incident is pretty slim. However, most NCVs are still in good condition, and that is why you should consider an NCV priority date for inspection. An NCV priority date is a list of all NCVs within a certain area of your condo, including any pre-existing conditions. This list can save you a lot of headaches, and can help to protect the investment that you made in your condo.
You should have a valid NCV insurance policy number to register for a NCV priority date. On your policy, you will find a list of dates. The next date on the list is the first official NCV inspection of your property. Prior to this date, the inspector is only obligated to check the roof, exterior walls, insulation, attic, or basement. They may not take care of any electrical work, though.
Prior to the inspection, the inspector is prohibited from suggesting any changes to your home, unless it is in keeping with your home warranty. If there are exterior damages, it may be necessary to repair them. However, prior to doing any repairs, the inspector will check for the code violations of the damage. If they find any, they will make the necessary suggestions to the warranty company. After this inspection, the inspector will suggest any possible repairs that are covered by your warranty.
It is important to understand what constitutes a NCV priority date, and how it relates to your NCV insurance policy. If your home has a NCV insurance policy with a standard three-month NCV code violation period, then on any given NCV priority date, if your home has not been repaired according to the terms of your warranty, then you have moved forward one calendar month to the next and must complete the repair work in accordance with your warranty. If you do not repair your home according to the terms of your warranty, then on that NCV priority date, the inspector's code violation becomes an out-of-code violation.
There are several events that can designate a NCV priority date. It could be your previous NCV inspection; it could be a new building on the property, or it could be a major remodel. For those that own multiple types of commercial property, it is important to realize that each type has its own NCV priority date. In some cases, such as when purchasing or selling real estate, the buyer or seller should request a NCV priority date based on the type of property, so that the necessary repairs are made in accordance with the building codes.
The main goal of a qualified inspector is to provide a detailed inspection that discloses code violations. It is up to the home owner to request the inspection, either in person, by phone, or online. The best way to request an inspection is by posting a request on the NPDES permitting database. The inspector will review the information posted on the website, and if necessary send a letter of notification via registered mail to the property owner. You should receive a reply from the inspector informing you of the code violations identified in the report.
At this point, you have the opportunity to negotiate with the inspector, stating your priorities and stating why the inspection should be done before any repairs are made. It is at this point, the inspector's role and responsibilities become very important. If the inspector finds multiple violations, he/she should advise the homeowner to contact the appropriate NPDES engineer and / or county attorney for enforcement of the code violations. If you have been advised to contact the engineers, the home owner should follow the engineers' advice and call the county attorney.
In conclusion, it is important to have your home inspected prior to the planned construction / reconstruction, if it is going to affect your NPDES permits. In addition, it is important to have your inspection completed prior to the first scheduled home inspection (the one designated as the NPDES permit). This will assure that the inspection is performed at the time that it was originally scheduled and that all code violations have been identified and corrected prior to construction/ reconstruction. For additional information regarding your local NPDES permits and codes, please visit our website.
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