Chicago Home Inspection Requirements - Illinois Regulations Guide

Chicago, IL

Key Takeaways

  • Illinois requires home inspectors to be licensed through the state DFPR
  • Inspectors must complete 60 hours of education and pass a state exam
  • Chicago has separate building codes from Illinois state codes
  • Radon testing requires separate certification in Illinois

Illinois regulates home inspectors through the Department of Financial and Professional Regulation (DFPR), establishing education, examination, and continuing education requirements. Chicago operates under its own building code separate from the state residential code, creating unique considerations for inspections in the city.

Illinois Home Inspector Licensing

Illinois has required home inspector licensing since 2002. The licensing ensures minimum competency standards across the state.

Education Requirements

Prospective home inspectors must complete 60 hours of approved classroom education covering:

  • Structural systems and components
  • Exterior and roofing
  • Plumbing systems
  • Electrical systems
  • Heating and cooling systems
  • Interior components
  • Insulation and ventilation
  • Report writing and standards of practice

Additionally, candidates must complete a supervised field training period with an experienced inspector.

Examination and Licensing

After completing education, candidates must pass the National Home Inspector Examination (NHIE). The license requires renewal every two years with 12 hours of continuing education per cycle.

Verifying Inspector Credentials

Buyers can verify inspector licensing through the Illinois DFPR online license lookup. This confirms active license status, license history, and whether any disciplinary actions exist.

Illinois Standards of Practice

Licensed Illinois inspectors must follow the Illinois Home Inspectors Standards of Practice, which define inspection scope and methods.

Required Inspection Components

A standard Illinois home inspection must evaluate:

  • Foundation and structural components
  • Exterior (siding, trim, windows, doors)
  • Roof covering and drainage
  • Plumbing system and fixtures
  • Electrical service and distribution
  • Heating and cooling equipment
  • Interior surfaces and components
  • Insulation and ventilation
  • Fireplaces and solid fuel appliances

Scope Limitations

Standard inspections are visual and non-invasive. Inspectors are not required to: move personal belongings or furniture, dismantle equipment, enter unsafe areas, or inspect concealed spaces. These limitations must be documented in reports.

Chicago Building Code Differences

Chicago maintains its own building code rather than adopting the International Residential Code used by most Illinois jurisdictions. This creates unique inspection considerations.

Historical Context

Chicago's building code evolved from the Great Fire of 1871, emphasizing fire resistance. Requirements for masonry construction, fire separation between units, and means of egress reflect this history.

Multi-Unit Considerations

Chicago has extensive requirements for multi-unit buildings (two-flats, three-flats) regarding fire separation, egress, smoke detection, and carbon monoxide detection. Inspectors familiar with Chicago should know these requirements.

Permit and Inspection Records

Chicago maintains building permit records through the Department of Buildings. Buyers can research permit history online to verify whether renovations were properly permitted and inspected.

Radon Testing in Illinois

Radon testing in Illinois requires separate certification beyond home inspector licensing.

Radon Tester Credentials

Illinois Emergency Management Agency licenses radon measurement professionals. Some home inspectors hold this additional certification; others refer to separate radon testers. Verify your inspector's radon credentials if they offer testing.

Radon in Chicago

Chicago and Cook County fall in EPA Zone 2 (moderate radon potential). Testing is recommended for all purchases, particularly for homes with basements. Chicago's dense construction and building characteristics affect radon entry patterns.

Illinois Radon Disclosure

Illinois requires sellers to disclose known radon test results and any mitigation systems. The standard Radon Disclosure form must be provided to buyers. This doesn't require sellers to test—only to share results if testing has occurred.

Seller Disclosure Requirements

Illinois requires sellers to provide a Residential Real Property Disclosure Report covering known material defects.

Disclosure Categories

The Illinois disclosure form covers:

  • Foundation and structural issues
  • Roof leaks and repairs
  • Plumbing, electrical, and HVAC conditions
  • Water intrusion and basement flooding
  • Environmental hazards (radon, lead, asbestos)
  • Material defects known to seller

Disclosure Limitations

Sellers disclose what they know—not what an inspection might reveal. A seller's "no knowledge" response doesn't mean a condition doesn't exist. Inspection remains essential regardless of disclosure answers.

Chicago-Specific Disclosures

For multi-unit properties in Chicago, additional disclosures may address rental history, zoning compliance, and building code violations. Review city records independently of seller disclosures.

Additional Inspections Common in Chicago

Several specialized inspections are particularly relevant for Chicago properties.

Sewer Line Inspection

Chicago's aging sewer infrastructure and combined sewer system make sewer camera inspection valuable, particularly for older homes. Inspection costs $200-400 and identifies root intrusion, bellies, and deterioration.

Structural Engineering

For masonry buildings showing foundation or structural concerns, structural engineer evaluation ($400-600) provides expert assessment. This is particularly relevant for graystones, older two-flats, and buildings showing significant movement.

Chimney Inspection

Chicago's older homes often have masonry chimneys that require evaluation if fireplaces will be used. Level II chimney inspection by a CSIA-certified inspector costs $200-400.

Selecting a Chicago Inspector

Beyond verifying state license, Chicago buyers should consider:

  • Experience with Chicago building types (graystones, bungalows, two-flats)
  • Familiarity with Chicago building codes
  • Knowledge of Chicago-specific issues (basement water, masonry concerns)
  • Professional association membership (ASHI, InterNACHI) indicating ongoing development
  • Errors and omissions insurance coverage
  • Sample report review for thoroughness and clarity