Disclaimer

Read this first: Our pages and calculators provide general guidance only. They are not an official verdict, ruling, or determination about your specific property, loan, or insurance policy. Requirements differ by state, county, lender and insurer and change over time. Always confirm your situation with the official government (.gov) source and with your lender, insurer, or a licensed professional before acting.

1. Not professional advice

The content on Calcopic is for general informational and educational purposes only. It is not legal, financial, tax, insurance, real-estate, or other professional advice, and must not be relied on as a substitute for advice from a qualified, licensed professional who knows your specific circumstances. Using this site does not create any professional, advisory, or client relationship.

2. Not an official determination

Our "do you need an inspection?" checkers are automated tools that estimate a likely answer from the limited inputs you provide. Their output is guidance, not a binding determination. Only your lender, insurer, the relevant government authority, or a licensed inspector can tell you what is actually required for your transaction. Where a result says "required," "likely," or "not required," treat it as a starting point to verify — not as a final answer.

3. Verify with official sources

Rules for termite/WDO inspections, 4-point inspections, wind mitigation, mortgage requirements and insurance vary by jurisdiction and program and are updated frequently. Always check the primary, official source — for example the U.S. Department of Veterans Affairs, HUD/FHA, the U.S. EPA, your state's pest-control or insurance regulator, and your county or city government — and confirm with your lender or insurer. We link to these sources on each page so you can verify directly.

4. No warranty

We aim for accuracy and cite official sources, but we make no warranty or guarantee of any kind — express or implied — as to the accuracy, completeness, currentness, or suitability of any information or tool on this site. Information may be incomplete, out of date, or contain errors. You use the site and its tools entirely at your own risk.

5. Limitation of liability

To the fullest extent permitted by law, Calcopic and Andrii Boltag will not be liable for any loss or damage — direct, indirect, incidental, consequential, or otherwise — arising from your use of, or reliance on, this site, its content, or its tools, or from any decision you make based on them.

6. Costs and figures

Any prices, cost ranges, fees, timelines, discounts, or percentages shown are general estimates compiled from third-party and official sources at the time of writing. They are illustrative only, not quotes, and your actual costs will differ.

7. Third-party links and independence

This site links to government and third-party websites for your convenience. We do not control and are not responsible for their content. Calcopic is independent and not affiliated with, endorsed by, or acting on behalf of any government agency, lender, insurer, or inspection company.

8. Changes

We may update this disclaimer and our content at any time. The "last updated" date above reflects the latest revision. Found an error? Please contact us so we can review it.