This is an unfortunate situation. For the record, I was not the inspector in question, and have no knowledge of this incident other than what I have read here.
A few thoughts, if I may. Although I do mostly one year warranty inspections, (and this was not one of those), I sometimes also do inspections for an older home for a prospective buyer. While I know it cannot always happen, I encourage the buyer to BE AT THE INSPECTION, if at all possible. You will learn SO much more if you are there, and get more for your money. I often give helpful homeowner tips, etc., that would not be part of the report but can be an important part of a good inspection.
Second, part of my inspection report would have had video of The A/C working, complete with Temperature readings, video of the unit running, etc. This would have proved that the unit was working at the time of the inspection. As others have stated, the inspection is basically a snapshot in time. In this case, even if the buyer was not there, usually a Realtor is, and perhaps they could be a witness that the unit was working during the inspection.
Typically an A/C system has a life expectancy of 10-15 years. They could last longer with good maintenance, etc. This home does not should like it was near that age, so it would be uncommon to need the COMPLETE SYSTEM replaced. In any event, usually the home warranty company needs to evaluate the system themselves before any claim can be made. If after their evaluation they find the unit is indeed not working, they would offer to fix it. If you decided not to like their way of fixing it, they would usually give you a check for what it would cost them, and you could then use that money towards a repair of your choice and liking.
I do understand that any warranty company usually would not pay for a claim they have no proof of need.
In any event, I am sorry you had this experience. Hopefully your willingness to share this can be a lesson to others. It is very kind of you to do so.
Respectfully, Frank
__________________
Florida licensed Home Inspector #HI688. (352) 250-7818
|