Rates are easing, inventory is finally stacking, and yet the real curveball isn’t interest—it’s insurance. We unpack why deals in Florida and California are getting derailed by carriers, how state programs like My Safe Florida Home are quietly creating repeatable inspection work, and what the latest investor moves signal for the home inspection industry. From Porch’s acquisition appetite to Spectora’s higher follow-on valuation under Radian Capital, the money flowing into software and services points to a market that’s maturing, not stalling.

We also get practical about demand on the ground. Cash purchases still make up roughly a third of transactions, but contingencies are returning and Redfin reports more contracts falling apart during inspections—a shift away from the waive-everything era. That’s good news for thorough reporting and repair-request support. We dig into seasonality (why October hums, and why late November through January slows), how to plan your winter pipeline, and the smart ways to package ancillaries—wind mitigation, four-point, sewer scopes, mold, pool/spa—to lift average ticket size without bloating the buyer’s experience.

Looking ahead, we map a realistic trajectory: a steadier 2026, then stronger normalization into 2027–2028 as list-to-sale dynamics flip and prices step down without crashing. That’s the environment where pre-listing inspections resurface, buyers stay selective, and inspectors with crisp narratives become indispensable. We also make the case for a split brand strategy to grow commercial inspections—PCAs, roof and envelope surveys, and lender-friendly reports—so your business rides through winter and captures market share that attrition has left on the table.

If you’re ready to sharpen your edge for Q4 and beyond, this one gives you the playbook. Subscribe, share with a fellow inspector or agent, and tell us: where is your market opening up right now?

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*The views and opinions expressed in this podcast, and the guests on it, do not necessarily reflect the views and opinions of Inspector Toolbelt and its associates.