Selling a home with termite damage in NEPA can lower your resale value by as much as 20%. 

Termites often infest homes silently for many years before homeowners discover and treat them. These wood-destroying organisms are attracted to moisture and soft woods, often attacking crucial framing members of your home and exposed wooden furniture. 

Termites cause more than $5 billion in property damage every year in the United States, making them a significant threat to residential properties in Pennsylvania with wooden frames. 

Even if termites are treated, and past damage exists, it can still lower your resale value and impact insurance coverage. Any termite damage must be disclosed on the seller’s disclosure, making it illegal to cover up past damage. 

If you’re buying or selling a home in Northeast Pennsylvania and are curious about how much past termite damage can affect the value of your property, this guide will walk through different scenarios to provide a rough estimate of how much it will lower. 

How Much Damage Can Termites Cause to Homes?

Over a few-month period, a single colony of 60,000 termites can chew through an entire 2×4 plank of wood. 

In Pennsylvania, where subterranean termites are the most common termite–and also the most destructive–the average colony can consist of anywhere from 60,000 termites to over one million. 

The primary issue is that termites can often exist for months, if not years, before being discovered. All it takes is one severely weakened floor joist, loading bearing beam, or wall stud to cause structural issues that ripple throughout your entire home’s structure. 

According to Angi, nationwide estimates for termite repair costs range from $1,000 to over $10,000. 

How Termite Damage Affects Your Home’s Resale Value

The financial impact of termites varies widely, depending on factors such as severity, location, and whether repairs were completed. Below are the biggest ways termite damage influences home value.

1. Lower Appraisal Value

Home appraisers look at overall condition, market comparables, and structural integrity. Confirmed termite damage—even if repaired—can reduce appraised value because:

• Structural components have been compromised
  
• The home may be considered a higher-risk investment
  
• Repairs may not restore the original value if the structural timber was replaced
  
• Local comps without termite history will be valued higher
  

Even minor termite damage can lower the value by several percentage points. Severe, unrepaired damage can reduce the home’s value significantly more.

2. Reduced Buyer Confidence

Buyers are cautious, especially when it comes to homes older than 50 years in NEPA. Termite damage raises immediate concerns, such as:

• “What else is hiding behind the walls?”
  
• “Was the damage fully repaired, or just patched?”
  
• “Will termites return?”
  

While some buyers are willing to negotiate for lower rates, many buyers will walk away entirely.

3. Required Repair Credits or Price Reductions

When termite damage appears on an inspection report, buyers commonly request seller concessions, such as repair credits, treatment guarantees, reinspections, or a lower sale price. Depending on the extent of damage, these reductions can range from minor adjustments to substantial price drops.

4. Mandatory Treatment & Repairs Before Closing

Mortgage lenders, especially FHA, VA, and USDA loans, require homes to be free of wood-destroying insects.

If termites are found, sellers are typically required to:

• Pay for a full treatment
  
• Repair or replace all damaged components
  
• Provide documentation of clearance
  

Failure to do so can delay or disqualify financing.

How Common Is Termite Damage in NEPA?

While termites are more common in the south, they are still very common in Northeast Pennsylvania–particularly older homes with moisture issues and homes surrounded by trees. 

Typical hotspots where termite inspectors look around your home include:

• Sill plates
  
• Support beams
  
• Rim joists
  
• Basement perimeter walls
  
• Deck posts
  
• Garages
  
• Additions with old framing
  

Because termite activity can remain hidden for years, most homeowners don’t discover the problem until they prepare to sell.

The Importance of Wood-Destroying Organisms (WDOs) Inspections

A standard home inspection will note visible damage, but often doesn’t include or seek out damage from a wood-destroying organism (WDO). In addition to termites, several pests can cause widespread wood damage, including carpenter ants and wood-boring beetles. 

In Pennsylvania, buyers using FHA, VA, or USDA loans often need a WDO inspection for mortgage approval.

A clean WDO report is a significant selling advantage, especially if done with a pre-listing inspection. A report showing damage or activity must be addressed before the deal can move forward.

What Happens If Termite Damage Is Found on the Inspection Report?

Termite damage rarely kills a deal outright, but it does shift negotiations and responsibilities for both the seller and the buyer. Once damage is identified, both sides must decide how to move forward based on the extent of the issue and what the contract allows.

Sellers generally have three choices:

• Make repairs before closing — Treat active termites, fix structural components, and provide documentation. Helps preserve the home’s value but requires upfront cost and potential delays.
  
• Offer a repair credit — Provide a financial concession instead of completing repairs. Keeps the deal moving but reduces the seller’s net proceeds.
  
• Sell the home as-is — Often chosen for older or inherited properties. Avoids repair obligations but typically results in lower offers and a smaller buyer pool.
  

Buyers also have several options once termite activity or structural damage is confirmed:

• Request full treatment and repair from the seller
  
• Negotiate a lower purchase price
  
• Ask for a transferable termite warranty
  
• Walk away if their inspection contingency allows it
  

A qualified home inspector can help both parties understand whether the damage is minor, moderate, or structurally significant, ensuring buyers make informed decisions and sellers know what to expect during negotiations.

FAQs

Can a home fail inspection because of termite damage in NEPA?

Severe structural damage or active infestations can stop a sale until treatment and repairs are completed.

Do sellers in PA have to disclose termite damage?

Yes. Pennsylvania requires disclosure of known infestations, treatments, and structural damage on the Seller’s Property Disclosure Form.

Will buyers still make offers on a home with termite history?

Absolutely—if the issue was treated and repaired. Documentation is key.

Does homeowner’s insurance cover termite damage?

No. Termite damage is considered preventable maintenance and is not covered under standard policies.

How long after treatment can I sell my home?

Immediately, provided you have a clearance letter, and there is no active infestation.

Do termite warranties transfer to the new owner?

Many do. Transferable warranties increase buyer confidence and can improve resale value.

Mold is present in every home in Northeast Pennsylvania, but the type and extent of mold exposure can vary. According to Ruby Homes, 47% of homes across the US have visible signs of mold. 

Despite its prevalence, many homeowners don’t notice a mold problem until physical symptoms begin appearing. 

Mold often develops behind walls, inside basements, or within HVAC systems, making it difficult to detect. Older homes in Scranton and Wilkes-Barre with drainage issues and poor ventilation are more susceptible to mold and should be inspected when purchasing a new home. 

Traditional home inspections may miss mold exposure, especially behind visible surfaces. 

If you’ve experienced recurring respiratory irritation, musty odors, or strange discoloration on walls, it may be time to get a specialized mold inspection. 

This guide explains how mold forms, the most common signs of exposure, where mold hides in homes across NEPA, and when you should schedule a certified mold inspection.

What Causes Mold to Grow in a Home?

Mold spores are always present, but they become a problem when indoor conditions support growth. Mold needs only three things: moisture (leaks, humidity, condensation), organic material (wood, drywall, carpet, insulation), and dark, poorly ventilated spaces.

Homes in Scranton, Wilkes-Barre, and the Poconos are especially prone to mold due to older construction, high humidity, basement dampness, and seasonal freeze-thaw cycles that cause roof and foundation leaks. 

Once mold takes hold, colonies spread quickly, and spores can become airborne, leading to noticeable signs of exposure.

The Most Common Signs of Mold Exposure

Mold exposure affects people differently, but there are several shared signs that could point to persistent mold exposure. 

1. Persistent Musty Odors

A musty, earthy smell is the most recognizable sign of mold, even when no visible colony is present.

These odors often come from:

• Damp basements
  
• Crawl spaces
  
• Behind drywall
  
• Under carpets
  
• Inside HVAC ducts
  

If your home smells musty after rain, after running the AC, or when entering from outside, you may have hidden mold growth.

2. Allergy-Like Symptoms That Improve When You Leave Home

One of the strongest indicators of mold exposure is when allergy symptoms vanish once you leave the house.

Common signs include sneezing, congestion, throat irritation, and sinus pressure. 

If these symptoms appear mainly at home, but not at work, outdoors, or on vacation, that’s a strong sign that mold may be present indoors.

3. Visible Mold Growth

Early mold growth is often subtle, which is why homeowners frequently overlook it. It may appear as small black specks, pale yellow or green smudges, white fuzzy film, or even orange staining around sinks and drains.

Any visible mold—no matter how small—signals active growth and a larger moisture problem nearby. In most cases, a small patch on the surface means a much more extensive colony may be spreading behind walls, under flooring, or inside HVAC systems.

4. Recurring Flu-Like Symptoms

Some homeowners begin experiencing cold-like symptoms that never fully go away, including fatigue, headaches, sinus irritation, or a lingering “under the weather” feeling. 

These symptoms often worsen after showers, rainy days, or in rooms with higher humidity. Because mold releases airborne spores that fluctuate with moisture levels, symptoms tend to come and go in cycles, making them easy to dismiss as seasonal illness.

5. Worsening Asthma or Breathing Problems

Individuals with asthma, COPD, or general respiratory sensitivities are among the first to feel the effects of mold exposure. They may notice tightness in the chest, persistent wheezing, shortness of breath, or increased reliance on inhalers. 

These issues are often most noticeable in bathrooms, basements, laundry areas, and utility rooms—spaces where moisture and poor ventilation create ideal mold conditions.

6. Skin Irritation or Rashes

Certain types of mold release compounds that can irritate the skin, causing redness, itching, dryness, or unexplained rashes. Homeowners sometimes notice these symptoms intensify when they spend time near mold-prone areas such as damp basements, musty closets, or HVAC vents. 

Symptoms typically ease after leaving the affected space, which is a strong indicator that mold may be the culprit.

7. Household Signs That Suggest Mold Growth

Peeling paint, warped drywall, and sagging or soft flooring typically signal ongoing moisture issues. 

Brown or yellow water stains, persistent condensation on windows, and repeated plumbing or roof leaks also create ideal mold conditions. 

Even efflorescence—a chalky white residue on basement walls—can indicate moisture movement through masonry, making mold growth extremely likely behind surfaces.

Where Mold Commonly Grows in NEPA Homes

Because of the region’s older housing stock, high humidity, and frequent freeze–thaw cycles, mold tends to appear in predictable areas throughout Scranton, Wilkes-Barre, Hazleton, and the surrounding counties. The most common hotspots include:

• Basements and crawl spaces with humidity, seepage, or poor drainage
  
• Bathrooms with steam buildup, hidden leaks, or inadequate ventilation
  
• Kitchens with plumbing failures, dishwasher leaks, or cabinet condensation
  
• Attics with roof leaks, wet insulation, or ventilation issues
  
• HVAC systems with condensation, dirty coils, or poor filtration

If mold develops in any of these areas, spores can easily circulate throughout the home.

When Should You Get a Home Mold Inspection?

A mold inspection is recommended any time you notice musty odors, see visible growth, experience recent water damage, or develop symptoms that improve when you leave the home. 

Inspections are also crucial before buying or selling a property, since hidden mold can disrupt negotiations or lead to costly repairs. Homeowners planning renovations should also schedule an inspection so they don’t accidentally disturb hidden mold inside walls or flooring.

You should schedule a mold inspection if you experience:

• Persistent musty smells
  
• Visible mold patches, even small ones
  
• Any type of water damage (leaks, floods, roof failures)
  
• Real estate transactions where mold could impact value
  
• Health symptoms that disappear when away from home
  
• Renovation projects that may disturb concealed moisture areas
  

A certified mold inspector can locate the source, identify severity, and determine whether professional remediation is necessary—far more accurately than DIY test kits.

What a Professional Mold Inspection Includes

A qualified inspector examines the entire home (not just the visible mold) to pinpoint moisture sources, assess hidden areas, and evaluate air quality. 

A complete inspection typically includes moisture mapping with thermal imaging, a full visual assessment of attics, basements, crawlspaces, and HVAC systems, optional air or surface sampling, and a detailed report outlining findings and recommended next steps.

How to Prevent Mold in Your Home

Long-term mold prevention begins with one core principle: controlling moisture before it becomes a problem. Homeowners in NEPA can greatly reduce mold risk by taking a few proactive steps:

• Keep indoor humidity below 50% year-round.
  
• Run exhaust fans in bathrooms and kitchens during and after use.
  
• Fix plumbing leaks immediately, especially around sinks, toilets, and appliances.
  
• Improve ventilation in basements and crawlspaces to limit trapped moisture.
  
• Insulate cold surfaces like pipes and exterior walls to reduce condensation.
  
• Clean and maintain gutters to prevent water intrusion near the foundation.
  
• Seal foundation cracks to stop groundwater seepage.
  
• Use a dehumidifier in damp areas—especially basements common in NEPA homes.
  

Mold can take hold quickly, but with consistent moisture control and good home maintenance habits, most mold problems can be prevented entirely. Staying ahead of leaks, humidity, and poor ventilation keeps your home healthier, safer, and free of recurring mold issues.

If you suspect mold in your home, don’t wait to schedule an inspection. We also recommend a separate mold inspection when purchasing a home, as mold rarely shows up on traditional reports unless it is visibly present on surfaces in the home.

FAQs

How do I know if my symptoms are caused by mold?

If symptoms worsen at home and improve when you leave, mold could be the cause. An inspection can confirm hidden growth.

Can mold make you sick even if you can’t see it?

Yes, hidden mold behind walls, carpets, and HVAC systems can release spores into the air.

Should I remove the mold myself?

Small surface patches can be cleaned, but large or hidden mold requires professional remediation.

Is mold inspection required during home buying?

Not always, but it’s highly recommended, especially for older homes or properties with visible water issues.

Do DIY mold test kits work?

They often give inaccurate results and cannot find hidden moisture or structural mold sources.

How quickly does mold grow after water damage?

Mold can begin growing in as little as 24–48 hours under the right conditions.

Is basement mold common in Scranton & Wilkes-Barre?

Yes. Aging foundations, poor drainage, and high humidity make mold extremely common in NEPA basements.

Northeast Pennsylvania has one of the highest radon levels in the nation due to its unique geology and mineral history. 

Approximately 40% of homes across the commonwealth have radon levels above the EPA-recommended level (4 pCi/L), with many older homes with poor ventilation or located on low elevations being most at risk.  

Radon is a radioactive gas that forms naturally from the breakdown of uranium in soil and rock. The long-term effects of radon exposure include the risk of lung cancer, the second leading cause in the nation. 

Radon testing is essential to protecting your family from harmful radon exposure and understanding your risks, as radon levels can fluctuate over time.  

The region’s geology, combined with common home construction styles, makes many properties highly vulnerable to radon buildup. This guide explains which homes face the highest risk, why NEPA radon levels run unusually high, and what steps homeowners can take to stay safe.

Why Are Radon Levels High in Northeast Pennsylvania?

Radon is linked to Pennsylvania’s geology. When uranium-rich rock breaks down, radon gas escapes upward through soil and into buildings. NEPA has several environmental factors that make radon more common and more dangerous than in other parts of the country:

1. NEPA’s Geology Is Naturally Uranium-Rich

Counties like Luzerne, Lackawanna, Schuylkill, Wyoming, Carbon, and Monroe sit on rock formations with higher concentrations of uranium, such as the Mauch Chunk formation near Wilkes-Barre and extending down into Jim Thorpe. As uranium decays, radon levels rise, especially in lower-elevation parts of the home.

2. Valley Geography Creates Trapped Gas Zones

The Wyoming Valley, Lehigh Gorge, and surrounding Appalachian ridges create pockets where radon can accumulate underground before entering homes. 

3. Historic Mining Disturbed the Soil

Decades of anthracite coal mining fractured rock layers and changed how soil gases move. Old mine shafts and voids can act as pathways that funnel radon directly toward foundations.

4. Pennsylvania Winters Increase Exposure

Cold weather keeps homes tightly sealed, preventing radon from escaping. Heating systems also create a “stack effect,” which pulls soil gas upward into the home.

These environmental factors combine to create a perfect storm for radon accumulation in NEPA. The only way to know your home’s level is to test it.

Which NEPA Homes Are Most at Risk for Radon?

While any home can have high radon, certain property types are more vulnerable across Northeastern Pennsylvania.

1. Older Homes Built Before Modern Ventilation Standards

Older homes across Scranton, Wilkes-Barre, Hazleton, Kingston, and Pittston often lack the tight building envelopes and controlled ventilation systems found in newer construction. For example, many of these homes contain outdated building practices that may make them susceptible to radon, including:

• Dirt-floor crawl spaces
  
• Fieldstone foundations
  
• Poorly sealed sump pits or floor drains
  
• Natural settling and foundation cracks
  

These structural gaps allow radon to move freely from the soil into the living space. Even minor foundation shifts over decades can dramatically increase radon entry.

2. Homes With Basements or Crawl Spaces

Radon moves upward from the soil and slips into your home through cracks in concrete, gaps around pipes, sump pits, expansion joints, and openings in block walls. 

Crawl space homes are just as vulnerable because exposed soil continually releases radon, allowing the gas to rise into the living space above.

Virtually any home with direct soil contact offers more pathways for radon to enter, making basements and crawl spaces some of the highest-risk structures in NEPA.

3. Homes Built on Coal Fields or Near Abandoned Mines

Much of Luzerne and Lackawanna County sits on former anthracite mining land. These underground voids act like natural air channels.

Neighborhoods at higher risk from radon from old mining shafts include:

• Ashley
  
• Hanover Township
  
• Nanticoke
  
• Sugar Notch
  
• Parsons
  
• Miners Mills
  
• Throop and Olyphant
  

4. New Construction in NEPA

Surprisingly, new homes often have higher radon levels than older ones. Many NEPA homeowners assume a new build is safe, yet the opposite is often true.

Newer homes are built tightly for energy efficiency. This increases negative pressure indoors, which literally pulls radon out of the soil more aggressively.

5. Homes Built in Valleys, Low-Lying Areas, or High-Radon Zones

Homes located in low elevation pockets—like those throughout the Wyoming Valley—are more prone to radon accumulation because soil gases naturally settle and migrate downward.

NEPA ZIP codes with consistently elevated radon results include:

• 18702, 18704, 18705 (Wilkes-Barre area)
  
• 18508, 18509, 18510 (Scranton area)
  
• 18201, 18202 (Hazleton)
  
• 18301–18360 (Poconos)
  

Even if homes are miles apart, radon levels can dramatically vary from house to house.

How Radon Enters NEPA Homes

Understanding radon entry points helps reveal why a radon inspection is essential. Radon typically infiltrates through:

• Foundation cracks
  
• Hollow block walls
  
• Sump pits
  
• Floor-wall joints
  
• Gaps around plumbing
  
• Crawl space vents
  
• Basement drains
  

Radon takes the path of least resistance, which is why your basement acts as a vacuum that pulls it inside.

Why Radon Testing Is Essential in NEPA

Pennsylvania law does not require radon testing in homes, but the Department of Environmental Protection strongly recommends it, especially in NEPA.

Radon is the second leading cause of lung cancer in the United States, responsible for more than 21,000 deaths each year, and NEPA consistently records some of the highest radon levels in the country. Many homes exceed the EPA’s 4.0 pCi/L action level, and it’s not uncommon for properties in the region to measure 20, 50, or even 100+ pCi/L.

Radon levels also fluctuate over time, changing with the seasons, home renovations, HVAC adjustments, and foundation settling. The only way to know your home’s current risk is through testing. 

Radon testing is simple and affordable, though we do recommend hiring a professional for a short-term or long-term test. DIY kits may not accurately capture the true amount of radon that your family is exposed to.

Regular testing ensures you catch elevated levels early and protects your family’s long-term health.

Tips to Protect Your NEPA Home From Radon

While long-term radon exposure poses serious health risks, homeowners have effective ways to lower indoor levels. 

The most reliable solution is a radon mitigation system, commonly known as a sub-slab depressurization system, which pulls radon gas from beneath the foundation and vents it safely outside. When professionally installed, these systems can reduce radon levels by as much as 99%, even in high-risk areas.

Additional improvements can support or enhance mitigation efforts. Sealing major cracks in the foundation reduces unnecessary entry points, and installing airtight covers on sump pits helps block soil gases from entering the basement. 

Increasing ventilation—especially in basements and lower levels—can dilute radon concentrations, while encapsulating crawl spaces creates a physical barrier between living spaces and exposed soil, one of the most common radon pathways in older NEPA homes.

Together, these strategies create a comprehensive line of defense, allowing homeowners to bring radon levels down to safe, EPA-recommended thresholds.

FAQs

Are radon levels really higher in NEPA than other regions?

Yes. Northeast Pennsylvania consistently records some of the highest radon readings in the U.S. due to its geology and mining history.

Do only older homes have radon?

No. New homes—especially energy-efficient ones—can have even higher radon levels because they trap indoor air more tightly.

Is radon testing required when buying a home in Pennsylvania?

Not by state law, but many lenders and inspectors strongly recommend it.

Can radon vary between neighbors?

Absolutely. Two homes side by side can have dramatically different levels.

Is radon dangerous at low levels?

Any exposure carries risk, but the EPA recommends mitigation at 4.0 pCi/L or higher.

Buying commercial property in Pennsylvania can be a massive investment, loaded with risks and liabilities that may not appear on a traditional commercial inspection report. 

Depending on the property’s previous use, contamination in the ground may be present from old fuel tanks, manufacturing waste, buried debris, or from neighboring properties. Many properties across Northeast Pennsylvania also sit on top of defunct coal mines, wetlands, and natural gas reserves that could be laden with additional red tape that could impact your business’s ability to get off the ground. 

A Phase I Environmental Site Assessment (Phase I ESA) is a tool designed to identify potential environmental issues before you purchase or develop land, protecting you from liability and helping lenders evaluate risk. In a state with centuries of industrial activity and widespread legacy contamination, a Phase I ESA can save you from costly cleanup and liability that could stall your business venture. 

This guide explains what a Phase I ESA is, why it matters in Pennsylvania, what it includes, and how to determine whether you need one for your next project.

What Is a Phase I Environmental Site Assessment?

A Phase I Environmental Site Assessment is a research-based investigation that evaluates whether contamination may be present on or around a property. It is performed according to the ASTM E1527-21 standard and is considered the national benchmark for environmental due diligence.

How a Phase I ESA Works

A qualified environmental professional researches property records, historical land use, governmental databases, and surrounding land activities, then performs an on-site inspection and interviews knowledgeable parties. The assessment identifies Recognized Environmental Conditions (RECs): indicators that contamination may exist.

Why It Matters

Phase I ESAs protect buyers under the CERCLA “innocent landowner” defense, help lenders minimize risk, and ensure developers understand liabilities before investing. Without a Phase I, you may unknowingly inherit the responsibility for costly remediation.

Why Phase I Assessments Are Important for Commercial Property Owners in Pennsylvania

Northeastern Pennsylvania has a uniquely complex environmental history shaped by more than a century of coal mining, heavy industry, and unregulated waste disposal. 

Anthracite mining left behind abandoned mine lands, subsidence zones, coal waste piles, and acid mine drainage that continues to influence groundwater movement today. Many commercial corridors, from Scranton and Wilkes-Barre to Pittston, Hazleton, and the Wyoming Valley, were also built over old rail lines, fuel depots, machine shops, and manufacturing plants that operated long before environmental laws existed.

Even rural NEPA properties, including former farms across Bradford, Wayne, Susquehanna, and Luzerne counties, may contain residual pesticides, buried debris, or undocumented underground storage tanks.

These historic activities mean that contamination may exist even when a site looks clean at the surface. Pollution can migrate through soils and groundwater, move between properties, or remain buried beneath concrete slabs for decades. Because many hazards in NEPA are invisible, commercial buyers cannot rely on visual inspection alone. 

A Phase I ESA is the only reliable way to identify environmental red flags early, protect yourself from liability, and avoid inheriting costly cleanup obligations after closing.

Do You Need a Phase I ESA in Pennsylvania?

A phase 1 site assessment is generally beneficial for any commercial property transaction. The following scenarios are most common when buyers or sellers request a Phase 1 assessment. 

• Purchasing commercial, industrial, multifamily, or mixed-use property
  
• Developing land that disturbs soil or changes site use
  
• Applying for a commercial loan or refinancing
  
• Redeveloping brownfields or former industrial areas
  
• Purchasing agricultural land, especially if old tanks or pesticide storage are suspected
  

Lenders and investors rely on Phase I ESAs to quantify environmental risk. Without one, they may deny financing or require costly additional protections.

Even if you’re a cash buyer, skipping a Phase I means you accept full liability for any existing environmental issues, even those caused by previous owners.

What Is Included in a Phase 1 ESA

A Phase I ESA is structured into four major components. Each step serves a specific purpose and together forms a legally defensible risk assessment.

1. Records Review

The environmental professional searches decades of documentation to understand past and current land use.

Some common sources they will examine include:

• Historical aerial photographs (often from Penn Pilot and USGS archives)
  
• Sanborn fire insurance maps
  
• Pennsylvania DEP databases
  
• EPA databases (CERCLA, RCRA, Brownfields, etc.)
  
• Underground storage tank registries
  
• Local zoning, permits, and building records
  

This step often reveals risks not visible on-site, such as former gas stations, dry cleaners, industrial activity, waste disposal, or nearby spills. In PA, many of these records stretch back 100+ years and highlight long-forgotten hazards.

2. On-Site Inspection (Site Reconnaissance)

During the on-site inspection, the environmental assessor walks the property to look for anything that may indicate current or past contamination. This includes signs such as vent pipes or fill ports from old heating oil tanks, stained soils or stressed vegetation, waste storage areas, unusual floor drains or sumps, debris piles, or concerns on neighboring properties that could migrate onto the site. 

Even subtle clues—like a capped metal pipe protruding from the ground or vegetation dying in one concentrated area—can signal deeper risks that may require further investigation in a Phase II assessment.

3. Interviews and Local Research

As part of the Phase I process, the environmental assessor speaks with people who know the property best, including current or former owners, facility managers, neighbors, fire officials, and local zoning or building departments. 

These conversations help uncover details that may never appear in written records, including past fuel spills, undocumented underground tanks, old industrial uses, or renovations that altered the site. 

This human insight is often critical because many environmental issues in older Pennsylvania properties were never formally recorded, yet still pose liability risks for today’s buyers.

4. Written Report and Environmental Findings

A final report will be written and delivered to the interested parties, including factual information related to:

• Recognized Environmental Conditions (RECs)
  
• Historical RECs
  
• Controlled RECs
  
• Environmental red flags
  
• Recommendations for Phase II sampling (if needed)
  

This report provides the legal framework for liability protection and is required by most lenders.

Common Environmental Issues Found in Pennsylvania Phase I ESAs

Due to the state’s industrial past, it’s not uncommon to find potential contaminants in residential and commercial areas. Some of the most common issues we tend to see include:

• Old heating oil tanks behind homes and commercial buildings
  
• Former manufacturing sites with solvent or metal contamination
  
• Railroad spurs and rights-of-way containing petroleum byproducts
  
• Dry cleaner contamination (PCE and TCE)
  
• Mine-related impacts, such as subsidence or contaminated groundwater
  
• Pesticide residues on former farmland
  
• Illicit dumping or buried debris
  

Each of these conditions can trigger a recommendation for Phase II sampling.

What Happens If the Phase I ESA Finds a Problem?

Phase I identifies potential contamination and risks, but does not confirm them. 

If RECs or other issues are found, the next step is typically a Phase II ESA, which may involve:

• Soil sampling
  
• Groundwater sampling
  
• Vapor intrusion testing
  
• Tank tightness testing
  
• Geophysical surveys
  

If contamination is confirmed, the PA DEP’s Act 2 Land Recycling Program offers liability protections and cleanup pathways.

Benefits of Getting a Phase I ESA Before Purchasing Property

A Phase I Environmental Site Assessment offers several major advantages for commercial buyers in Pennsylvania:

• Protection from CERCLA/Superfund liability
  
• Cost savings during negotiation
  
• Greater confidence in redevelopment projects
  
• Lender and investor approval
  
• Long-term risk mitigation
  
• Clear documentation of environmental conditions
  

These benefits work together to reduce financial exposure and ensure you fully understand the property you’re purchasing. 

Most importantly, a Phase I ESA prevents buyers from unknowingly inheriting historical contamination; a mistake that has cost businesses millions in unexpected cleanup, delays, and legal issues. 

Completing a Phase I before closing gives you the confidence and legal protection needed to move forward with any commercial property acquisition in Pennsylvania.

FAQs

How long is a Phase I ESA valid in Pennsylvania?

Phase I ESAs are valid for 180 days, with some components valid for up to one year. After that, updates are required.

How much does a Phase I usually cost?

Most Phase I ESAs in Pennsylvania cost $1,600–$6,000, depending on size, history, and location.

Does a Phase I ESA include testing?

No. Testing is only conducted during Phase II if Phase I finds evidence suggesting contamination.

Can a residential buyer request a Phase I?

Yes, especially if the home is near industrial areas, rail lines, farmland, or suspected tank locations.

What is a REC (Recognized Environmental Condition)?

A present or likely presence of contamination that requires further evaluation.

How long does a Phase I take?

Most take 2–4 weeks, depending on record retrieval and site complexity.

Who is qualified to perform a Phase I?

Only an Environmental Professional (EP) meeting EPA/AASHTO standards can legally complete one.

FEMA recently redesignated thousands of properties across Northeast Pennsylvania as lying in a flood plain, forcing several residents to purchase flood insurance. 

Major floods like Tropical Storm Lee in 2011 have left their mark on the region, submerging thousands of properties across Luzerne County in dangerous floodwater. However, water damage isn’t always the result of flooding or heavy snowfall, but can come from structural defects or burst pipes. 

If left unresolved, continuous water damage can result in mold and mildew, a bulk of which hides beneath the surface and requires special inspection. 

For homeowners looking to purchase a home in Northeast Pennsylvania, identifying water damage could be the difference between expensive repairs and mold remediation. 

This guide will help you uncover signs of water damage yourself, as well as tools and services available to inspect for water damage and mold. 

Why Water Damage Is Such a Serious Issue

Water intrusion can start small in the form of basement or roof leaks and slowly damage the structure of the house until major repairs are required. 

According to Angi, the average cost of repairing water damage is between $3 and $7.50 per square foot, meaning that small leaks caught early can be manageable, but whole-home issues could total over ten thousand dollars easily.  

The extent of water damage is often more than meets the eye. Many homeowners may cover over previous water damage on walls and ceilings with new paint, concealing the true depth of the damage, which will be missed without a proper home inspection. Considering that a majority of homes in the region are wood-framed, water exposure to framing components and drywall can rot your home from the inside out very quickly. 

Finally, as we’ll discuss below, uncovering water damage can make it difficult for homeowners to insure or acquire a mortgage. Therefore, it’s important to be proactive and spot the signs of water damage before they become unmanageable.  

The Three Main Types of Water Damage

An important component of visually inspecting water damage is understanding what type of damage you are dealing with. Water damage can be classified by its source and contamination level, which directly affects cleanup procedures, health risks, and repair costs.

1. Clean water damage typically comes from a controlled source—like a burst supply line, leaky faucet, or overflowing sink. While clean water seems harmless, it can soak into porous materials and cause warping or mold growth within 24 to 48 hours if not dried properly.
2. Gray water damage comes from appliances such as washing machines or dishwashers. It contains mild contaminants like detergents or food residue, which can create unpleasant odors and encourage bacterial growth. If absorbed into carpets or drywall, gray water damage often requires partial replacement rather than simple drying.
3. Black water damage is the most dangerous, originating from sewage backups, river flooding, or storm runoff. Black water carries bacteria, waste, and chemicals that can pose serious health risks and almost always demand professional cleanup and disinfection.

Knowing what kind of water caused the problem helps inspectors determine both how extensive the damage is and why certain repairs are necessary to prevent recurrence.

How to Spot Visible Signs of Previous Water Damage

Not all signs of water damage are obvious at first glance. Many homeowners unknowingly live with the remnants of past leaks or flooding because they’ve been cosmetically covered up. Here’s how to identify the most common clues.

• Stained or discolored walls and ceilings. Yellow, brown, or rust-colored rings on drywall or plaster suggest that water once seeped behind the surface. Even if painted over, these stains often bleed back through over time.
• Peeling or bubbling paint. Moisture is trapped beneath the surface. As water vapor pushes outward, it causes the paint to lose adhesion, blister, or flake. This often happens near bathrooms, basements, or exterior walls that weren’t properly sealed.
• Warped or buckled flooring. Hardwood planks that cup or laminate panels that swell at the edges are telltale signs of a past leak or high humidity. In flood-prone parts of Pennsylvania, basement flooring often hides this damage under rugs or vinyl overlays.
• Musty odors. If you notice a damp or earthy smell in a finished basement, crawl space, or under a sink, it’s often a sign of mold or residual moisture trapped inside materials.
• Mold or mildew growth. Appears as black, green, or white spots along baseboards, corners, or behind furniture. Mold doesn’t appear unless there’s been sustained moisture, so its presence almost always points to prior water intrusion.
• Sagging ceilings or softened drywall. These structural changes occur when materials lose rigidity after prolonged exposure, often from roof leaks or pipe bursts hidden in upper floors.

If you spot any signs of current or previous water damage, contact a professional home inspector right away to determine the extent of the damage. 

How Home Inspectors Spot Hidden or Structural Water Damage

Professional home inspectors use specialized tools and techniques to detect water damage that isn’t visible to the naked eye.

Inspectors often begin with moisture meters to measure the exact moisture content within walls, ceilings, and floors. By comparing readings across different sections of the home, they can determine where water was absorbed and how far it spread.

They also use infrared (thermal) cameras to locate cold spots that indicate trapped moisture. Water cools more slowly than dry materials, so these cameras can reveal leaks behind walls, under insulation, or around window frames—areas that may look fine on the surface.

Inspectors will check attics and crawl spaces for subtle indicators such as rusted nails, water-stained insulation, or discolored sheathing. These spaces often reveal roof leaks or poor ventilation that can lead to long-term dampness.

Finally, they will inspect plumbing systems and foundation areas, looking for mineral deposits, corrosion, or efflorescence—a white powdery substance that forms when moisture seeps through masonry. These signs tell inspectors how water traveled through the home and why certain repairs may be needed to stop future leaks.

Because water can move in unpredictable ways, professional inspections are often the only way to uncover the full extent of damage after storms or floods.

Does Previous Water Damage Affect Home Insurance?

Water damage can impact your home insurance, but the impact depends on how and why the damage occurred. Insurance companies distinguish between sudden events, like burst pipes, and gradual problems, such as long-term seepage. Sudden damage is typically covered, while gradual damage is often excluded.

Homes in designated flood zones, such as along the Susquehanna or Lackawanna Rivers, may also require separate flood insurance. Standard homeowners’ policies do not cover flood-related damage, which is why documentation from professional inspections can make a big difference when applying for coverage or filing claims.

Insurers may raise premiums or limit coverage if a home has a history of multiple water claims. Having a clear inspection report that shows how and when damage was repaired helps protect your eligibility and ensures transparency during property sales.

How to Protect Your Home from Future Water Damage

Preventing future water damage in Pennsylvania starts with understanding how local weather and terrain affect your property. Here’s how to reduce the risk of future water damage:

1. Inspect your roof and gutters twice a year. Clean debris and check for damaged shingles before snow or heavy rain arrives.
2. Seal foundation cracks. Use waterproof epoxy or sealant to prevent groundwater from seeping through basement walls.
3. Install or maintain a sump pump. Test it before storm season to ensure it can handle runoff and snowmelt.
4. Improve drainage around your property. Extend downspouts at least five feet away from your foundation to keep water moving downhill.
5. Maintain proper indoor humidity. Use dehumidifiers in basements or crawl spaces to keep moisture below 50%.
6. Schedule annual inspections. Professional home inspections catch minor leaks, roof wear, or ventilation problems before they turn into costly repairs.
   

Taking these steps helps protect your home against the same threats that cause widespread damage across Northeast Pennsylvania each year.

FAQs

What areas in Northeast Pennsylvania are most prone to flooding?

Low-lying regions along the Susquehanna River, such as Kingston, Forty Fort, and West Pittston, are in high-risk flood zones. Parts of Stroudsburg, Scranton, and Wilkes-Barre have also experienced repeated basement flooding due to poor drainage and old stormwater systems.

How can I tell if a home in a flood zone has been damaged before?

Look for water lines on basement walls, rusted support beams, or signs of fresh paint that may cover old stains. A professional inspector can verify whether the damage is recent or historical using moisture and infrared tools.

Are homes with previous water damage harder to insure in Pennsylvania?

Yes. If a property has a record of frequent water claims, insurers may increase rates or require additional inspections. A clean, documented inspection report helps maintain eligibility.

How often should I schedule a home inspection for water damage?

Annually is best, especially after major storms or rapid snowmelt. Regular inspections help identify early warning signs before they develop into major repairs.

Scranton, Pennsylvania, averages around 41” of snowfall annually, putting it over 10” above the national average. 

Much of that snow will stick to your roof all winter long, placing heavy pressure on your roof and eroding asphalt shingles, which can lead to structural damage. 

However, the real danger of snowfall comes from ice dams, which form on the perimeter of your roof as snow melts and freezes. Most modern roofs are now built with ice and water barriers, but if your roof is old or outdated, it may not have proper protection. 

Ice can also freeze standing water in gutters, forcing melting snow to accumulate around your foundation. 

This guide will discuss several winter threats to roofs in Northeast Pennsylvania and ways to winterize your roof for Pennsylvania’s frigid winters. 

How Winter Weather Puts Roofs at Risk

Your roof is built to withstand a lot in order to protect your home, but older or poorly installed roofs may suffer from eroded shingles, ice dams, or leaks that put your home and attic at risk. During the winter, a combination of moisture, freezing temperatures, and the weight of snow and ice can push roofing materials and structures past their limits.

Here are a few of the key culprits to watch out for this winter:

• Snow accumulation: Even light, fluffy snow adds up in weight. Wet, heavy snow can weigh up to 20 pounds per cubic foot, creating thousands of pounds of stress on your roof.
  
• Ice formation: When snow melts and refreezes, it forms thick layers of ice that trap moisture and block proper drainage.
  
• Freeze-thaw cycles: Repeated melting and freezing cause roofing materials to expand and contract, weakening seals and loosening shingles.

Together, these forces can cause a chain reaction of roof damage that starts small but worsens rapidly with every storm.

Top 6 Winter Threats to Roofs in Pennsylvania

1. Ice Dams

Ice dams form when warm air from your attic melts the underside of the snow on your roof. As meltwater runs down to the roof edge, where it’s colder, it refreezes, creating a ridge of ice.

Once that ice dam forms, new meltwater can’t drain off properly, causing the water to pool behind the dam and seep under shingles and flashing, leaking into your attic or walls.

Many homeowners are largely unaware of ice dams and may ignore obvious signs, such as icicles hanging from the edges of their roof. 

Signs of Ice Dam Damage

• • Water stains or bubbling paint on ceilings and walls
    
  • Icicles hanging from eaves or gutters
    
  • Mold growth in the attic or insulation
    
  • Damp or compressed attic insulation
    

How to Prevent Ice Dams

• • Improve attic insulation and ventilation: Proper airflow keeps your roof’s surface cold and prevents uneven melting.
    
  • Seal attic leaks: Warm air escaping from vents, chimneys, or light fixtures contributes to snow melt.
    
  • Use a roof rake: Gently remove snow buildup near the edges after major storms (without climbing onto the roof).
    
  • Consider heat cables: Electric de-icing cables can help melt ice along the eaves in problem areas.
    

2. Structural Stress from Heavy Snow

A little snow looks harmless, but when accumulation builds up, your roof can experience extreme weight loads. This is especially risky for older homes, flat or low-pitched roofs, or structures with aging support beams or damaged sheathing. 

Wet snow can be particularly heavy. For example:

• 10 inches of fresh snow = roughly 5 pounds per square foot
  
• 10 inches of wet snow = up to 20 pounds per square foot
  

If several storms pile on before melting, that weight can cause sagging, cracking, or even collapse.

Signs of Snow Load Damage

• • Sagging rooflines or ceilings
    
  • Cracking or popping sounds in the attic
    
  • Doors and windows that suddenly stick or misalign
    
  • Leaks around roof penetrations (vents, chimneys, skylights)
    

How to Relieve Accumulated Snow Pressure

• • Use a roof rake from the ground to remove excess snow.
    
  • Hire a professional for deep or compacted snow removal—never climb onto a snow-covered roof.
    
  • If you notice sagging or cracking, call a roofing or structural expert immediately.
    

3. Shingle and Flashing Damage

The constant freezing and thawing of winter can be brutal on asphalt shingles and metal flashing. As water seeps into small cracks or under lifted shingles, it freezes, expands, and causes further separation. Over time, this leads to broken seals, curling shingles, and corrosion.

Signs of Shingle or Flashing Damage

• • Missing, cracked, or curled shingles
    
  • Exposed nail heads or flashing that’s lifting
    
  • Dark streaks or granule loss on shingles
    
  • Water stains around chimneys, skylights, or vents
    

Maintenance Tips for Shingles and Flashing

• • Inspect your roof before and after winter storms.
    
  • Keep gutters and downspouts clear so meltwater can drain properly.
    
  • Replace damaged shingles or flashing promptly to prevent leaks.
    

4. Gutter and Downspout Issues

Gutters play a vital role in directing meltwater away from your roof and foundation, but when they’re clogged or frozen, it can allow water to accumulate around your foundation.

Additionally, ice accumulation in gutters can cause them to pull away from the roofline, damage fascia boards, and create dangerous icicles. When meltwater has nowhere to go, it can also back up under shingles and into your home.

Signs of Gutter Trouble

• • Ice hanging off the roof edges
    
  • Water dripping down siding even when it’s not raining
    
  • Detached or sagging gutters
    
  • Pooling water around the foundation
    

How to Maintain Gutters During Winter

• • Clean gutters thoroughly before winter.
    
  • Make sure downspouts extend several feet away from your home.
    
  • Add gutter guards or heating cables if ice buildup is a recurring issue.

5. Hidden Water Intrusion and Mold Growth

Not all winter roof damage is visible right away. Water that seeps through the roof deck or insulation can take weeks—or even months—to show up as visible staining or mold.

Over time, trapped moisture weakens your attic structure, reduces insulation performance, and fosters unhealthy air conditions.

How to Spot Hidden Moisture Damage

• • A musty odor in the attic or upper floors
    
  • Peeling paint or bubbling drywall
    
  • Damp insulation or visible mold patches
    
  • A sudden increase in heating bills (a sign that insulation has been compromised)
    

If you suspect moisture damage, it’s best to have a professional roof or insulation inspection. Thermal imaging can also help identify hidden wet spots before they spread.

6. Freeze-Thaw Damage on Flat Roofs

Homes and commercial buildings with flat or low-slope roofs face unique winter challenges, as meltwater tends to pool instead of draining, allowing it to refreeze overnight and damage membrane seams.

How to Identify Flat Roof Damage

• • Ponding water that lasts more than 48 hours after melting
    
  • Cracked seams or bubbles in the roofing membrane
    
  • Leaks appearing around vents or rooftop equipment
    

Keeping drains and scuppers clear is key. Professional maintenance before and after the season can save thousands in repair costs.

How to Inspect Your Roof After Winter

The best way to prevent winter roof damage is to conduct an inspection before and after the winter season. 

Perform a visual inspection in the fall, winter, and spring to spot potential issues as they manifest on your roof, looking for:

• Uneven snow melt (which can indicate poor insulation or ventilation)
  
• Missing shingles, sagging areas, or exposed wood
  
• Gutters containing icicles, ice dams, or debris buildup
  
• (Attic) Damp insulation, mold, or daylight that can be spotted through the roof boards
  

If you spot any warning signs, schedule a professional roof inspection. A home inspector can safely assess hidden damage and recommend targeted repairs before leaks and rot take hold.

Protecting Your Roof Year-Round

Winter roof damage is often preventable with the right preparation and maintenance. Here’s how to stay ahead this winter:

1. Schedule a pre-winter roof inspection: A professional can identify weak spots before the first snow falls.
   
2. Add insulation and ventilation: A balanced attic temperature prevents ice dams and reduces energy costs.
   
3. Clean gutters and downspouts regularly: Proper drainage is your roof’s first line of defense.
   
4. Trim overhanging branches: Snow-laden limbs can break and damage shingles or gutters.
   
5. Address small repairs immediately: A minor leak in December can become major water damage by March.

By keeping on top of basic maintenance and performing a visual inspection of your roof each season, you can spot issues before they compound. When issues do pop up, be sure to contact a professional inspector immediately to determine the next steps. 

FAQs

How can I tell if ice dams are forming on my roof?

Look for large icicles hanging from the eaves, water stains on your ceiling or walls, and uneven snow melt across the roof. These are all common signs of ice dam formation.

Is it safe to remove snow from my roof myself?

You should never climb onto a snow-covered roof. Use a roof rake from the ground to remove excess snow, or hire a professional if buildup is heavy or difficult to reach.

How much snow is too much for a roof to handle?

Most roofs can support about 20 pounds of snow per square foot. Wet, compacted snow weighs much more than fresh powder—if your roof starts to sag or creak, call a roofing expert immediately.

The average cost of a roof replacement in the United States is around $9500, but in some cases it can climb past $50,000 because materials, labor, and structural repairs vary widely. 

That’s why spotting common roofing problems early is one of the most effective ways homeowners can avoid catastrophic expenses.

Roofs are a structural shield for your home because they prevent water, wind, and snow from penetrating the interior. This is why real estate buyers in Northeast Pennsylvania place a premium on newer roofs—any roof built within the past five years adds value because it lowers the risk of immediate replacement costs.

When a roof ages or suffers damage, the problems go far beyond appearance. Loose shingles, popped nails, or failed flashing are how water seeps into the attic, and once that happens, mold and rot can double or triple repair costs. 

Aging or damaged roofs are more than an eyesore. They can invite leaks and damage your attic, potentially doubling the cost of your repairs. 

If you’re uncertain about a roof’s age or condition, a professional home inspection reveals defects you can’t see from the ground and estimates the timeline for future repairs. Inspections matter because many Pennsylvania homes are decades old, and harsh seasonal weather accelerates wear.

Homeowners can also catch visible warning signs on their own. From the road, sagging lines or dark streaks are how you can spot deterioration, while a closer look from a ladder may show curling shingles or corroded flashing. 

Recognizing these issues early is why buyers, sellers, and current homeowners can save thousands by taking corrective action before small problems escalate.

This guide explains the most common roofing problems in Pennsylvania homes and shows you exactly how to spot them before they turn into costly repairs.

8 Common Roof Problems in Pennsylvania

1. Aging or Damaged Shingles

Most Pennsylvania homes use asphalt shingles, typically lasting 20–30 years. Over time, shingles can crack, curl, or go missing entirely. You might also notice granule loss, where small sand-like particles wash into your gutters.

Be on the lookout for shingles that are curling upward, discolored, or missing after storms. If you see bald spots where granules have worn away, it’s a sign the roof may be near the end of its life.

2. Ice Dams and Water Intrusion

Winters in Pennsylvania bring heavy snow and freezing temperatures. When warm air from the attic melts snow on the roof, water can refreeze at the edges, forming an ice dam. This prevents proper drainage, causing water to back up under shingles.

You’ll notice water stains forming on interior ceilings or walls, especially near exterior walls. Outside, you’ll also be able to spot thick icicles forming along gutters in the winter.

3. Popped Nails

Roofing nails can loosen over time due to expansion and contraction from temperature changes. When they pop up, they create tiny gaps that let in water and increase the risk of leaks.

You’ll need to inspect your shingles closely to identify any popped or lifting nails. Take proper precautions, such as wearing proper traction shoes and securing your ladder before climbing onto your roof. 

4. Flashing Failures

Flashing is the thin metal material installed around chimneys, skylights, and roof valleys to prevent leaks. Over time, flashing can rust, crack, or pull away from the roof surface.

Check the base of your chimney or skylights for signs of rust, gaps, or deteriorated sealant. Inside, leaks in these areas often show up as ceiling stains near fireplaces or in upstairs bathrooms.

5. Gutter and Drainage Problems

Gutters play a huge role in directing water away from the home. Rain and snow are frequent occurrences in wet and forested regions like NEPA, but your gutters can quickly get clogged with debris from leaves and trees. 

During rainfall, check if water is overflowing the gutters or pooling near your foundation. After storms, look for detached or sagging gutter sections.

6. Chimney and Masonry Issues

Pennsylvania has many older homes with brick chimneys. Over time, mortar joints can crack and bricks can deteriorate, allowing water to seep into the roof system.

Start from the ground and check if the chimney looks cracked, leaning, or missing mortar. A roof inspector may also point out spalling bricks (flaking surfaces) that indicate water damage.

7. Moss, Algae, and Lichen Growth

Pennsylvania’s damp climate makes roofs susceptible to moss and algae growth, particularly on shaded sides of the house. While it may look cosmetic, moss can trap moisture and cause shingles to deteriorate faster.

8. Structural Sagging

Roofs with long-term water damage or poor installation can begin to sag, which poses a serious structural risk. Older farmhouses and century homes in Pennsylvania are particularly vulnerable if the framing wasn’t updated during renovations.

In extreme cases, you’ll notice the roof bowing or sagging, indicating significant structural stress.

Tips to Spot Problems Before They Get Worse

Like many things in life, early detection is key to fixing issues before they compound.

Many roof issues start small, like a missing shingle or clogged gutter, but escalate quickly if left unchecked. Home inspectors and roofing contractors generally recommend that homeowners conduct the following tasks to keep up on roofing issues:

• Checking your roof after storms for missing shingles or flashing.
  
• Cleaning gutters twice a year (spring and fall) to prevent water backup.
  
• Inspecting your attic regularly for water stains, mold, or musty odors.
  
• Scheduling professional inspections every 2–5 years, especially for older homes.
  

What Buyers Should Ask About the Roof

When purchasing a home, be sure to get the most up-to-date information about the roof’s condition, installation date, and warranty. Here are a few questions to ask and search for on a seller’s disclosure: 

• When was the roof installed, and what materials were used?
  
• Is there a transferable warranty on the roof or shingles?
  
• Have there been any past repairs or leaks?
  
• Does the attic have insulation and proper ventilation?
  

These answers can help you estimate how much longer the roof will last and whether you should budget for replacement.

What Happens If Problems Are Found?

If a home inspection reveals roofing issues, buyers have several paths forward to avoid expensive repairs or recuperate costs. You can request that the seller make repairs before closing or negotiate a credit to help offset the cost of future work.

 In some cases, you may decide to accept the home as-is if the problems are minor and manageable. 

On the other hand, if the inspection shows that the roof requires major repairs or a full replacement, walking away may be the best option. 

Keep in mind that inspectors don’t “fail” a roof—they simply provide the facts so you can make an informed decision.

FAQs

How often should Pennsylvania homeowners replace their roofs?

Most asphalt shingle roofs last 20–30 years. Slate, metal, and tile roofs can last much longer but are less common in PA homes.

What’s the most common cause of roof leaks in Pennsylvania?

Leaks are often caused by damaged shingles, failing flashing, or ice dams. Older homes with poor ventilation are also prone to moisture-related leaks.

Can I install a new roof over old shingles?

Building codes in Pennsylvania allow for a maximum of two layers of shingles on a roof, though this is not highly recommended. Multiple shingles can add weight to the roof, mask underlying problems with the sheathing, and prevent you from replacing the flashing. 

Does homeowners’ insurance cover roof replacement?

Insurance typically only covers roof damage from sudden events like storms or fallen trees. However, it won’t pay for replacements due to age or normal wear and tear.

According to Bankrate, the hidden cost of owning a home in the United States totals around $21,000 annually. These costs rise because of monthly utilities, ongoing wear-and-tear, and major renovation projects. 

That’s why conducting a professional  home inspection before you buy is one of the most effective ways to prevent unexpected expenses.

Depending on where you purchase a home in Northeast Pennsylvania, you can run into common issues, such as aging foundations, roofing problems, HVAC issues, and more, that can total in the tens of thousands to repair. 

This Pennsylvania home inspection checklist shows you what inspectors typically evaluate and why each item matters for long-term safety and cost control.

Why Home Inspections Are Essential for Buyers in Pennsylvania

The real estate market has never been so difficult for young buyers, as an astounding 85% in a recent survey felt they needed to forgo insurance and a home inspection just to afford a new home. 

However, when looking at the total closing costs required to purchase a home and the hidden costs of maintaining it, a home inspection is an incredibly small fraction and can deliver a hell of an ROI. 

Buyers in Northeast Pennsylvania must keep in mind that the region’s housing stock is incredibly diverse, with many homes well over 100 years old, built well before modern building codes. Add in PA’s wet, four-season climate, which means that soil erosion, foundation damage, and roofing issues are incredibly common. 

Disclosing these issues in the beginning stages of negotiations can empower buyers to negotiate for a lower price or sellers to make the necessary repairs before selling, saving them money in the long run.

The Pennsylvania Home Inspection Checklist for Buyers

Naturally, no home inspection report is going to come back totally free of defects, and it’s up to both parties to determine which repairs or issues are most important to address before moving forward with a deal. 

Similarly, a home inspector can’t physically inspect every inch of your property, but will analyze and structure their report based on the most important issues from a financial and safety perspective. 

The following is a comprehensive list of areas your inspector will review, along with what you should watch for as a buyer looking to purchase a new home.

1. Structural Components

Structural issues impact the safety and longevity of the home and extend to many different areas that your inspector will check.

• Foundation: Signs of cracks, bowing, moisture intrusion, or uneven settling.
  
• Basement/Crawl Space: Signs of water seepage, mold, or structural damage.
  
• Roofing & Attic: Age of shingles, flashing, sagging, insulation, and ventilation.
  
• Framing & Support Beams: Termite damage, wood rot, or inadequate support.
  

Basements are common throughout the region, but they’re also prone to water damage. Always ask about sump pumps, French drains, or waterproofing systems, especially if you spot signs of past water damage. 

2. Exterior Elements

The home’s exterior includes everything from decks and siding to downspouts and driveways. This is where your curb appeal comes from, although these components play a major role in protecting your home and its structural components. 

• Siding, Stucco, or Brick: Cracks, deterioration, or improper installation. (Stucco failures are especially common in newer PA homes built in the 1990s–2000s.)
  
• Gutters & Downspouts: Proper drainage away from the home’s foundation.
  
• Windows & Doors: Condition, sealing, and energy efficiency.
  
• Driveways & Walkways: Cracking, uneven settling, or tripping hazards.
  
• Decks & Porches: Secure footings, rot-free wood, and safe railings.

3. Roofing System

Roofs are one of the most expensive repairs you will make over the course of your home ownership, and most asphalt roofs only last up to 30 years. 

• Shingle age, curling, or missing sections.
  
• Chimneys for cracks, leaning, or deteriorated mortar.
  
• Flashing around skylights or chimneys.
  
• Gutters free from clogs and securely attached.
  

Ask the seller for the roof’s installation date and warranty. While you may be willing to let a cracked, sagging, or mossy roof go, your insurance company may deny you coverage.

4. Plumbing System

Water issues are among the most common inspection red flags on home inspection reports, especially among older homes. 

• Water Supply: Public or well water—well systems should be tested separately.
  
• Pipes: Look for leaks, corrosion, and material type (older homes may still have galvanized pipes).
  
• Water Heater: Age, size, and functionality.
  
• Fixtures & Drains: Proper water pressure and drainage.
  
• Septic Systems: If applicable, separate inspection recommended.
  

5. Electrical System

Outdated wiring is both a safety and insurance concern. One common problem in older homes is outdated wiring (knob-and-tube) or even DIY wiring, which can be a massive hazard and code violation. 

• Service Panel: Proper grounding, breaker type, and capacity.
  
• Wiring: Look for knob-and-tube (common in older PA homes), aluminum wiring, or amateur DIY work.
  
• Outlets & Switches: GFCI outlets in kitchens, bathrooms, and outdoors.
  
• Lighting Fixtures: Proper function and safe installation.

6. Heating & Cooling Systems (HVAC)

Pennsylvania homes rely heavily on HVAC units given the climate. Unfortunately, with improper maintenance or age, these systems can start to decrease in performance and break down. 

• Furnace & Boiler Systems: Age, efficiency, and signs of leaks.
  
• Air Conditioning Units: Cooling capacity and maintenance.
  
• Ductwork: Leaks, insulation, and cleanliness.
  
• Chimneys & Venting: Proper draft and clearance from combustibles.
  

7. Interior Elements

Inside the home may lie some obvious issues that could point toward sloppy or poor maintenance. These issues could lead to larger issues if not addressed. 

• Walls, Ceilings, & Floors: Stains, cracks, or unevenness (possible structural issues).
  
• Windows & Doors: Easy operation, no drafts, and intact seals.
  
• Stairways & Railings: Secure and safe.
  
• Fireplaces: Damper operation, chimney cleanliness, and creosote buildup.

8. Insulation & Ventilation

Energy efficiency and indoor air quality are big concerns, especially as energy prices increase rapidly across NEPA.

• Attic Insulation: Adequacy and condition.
  
• Ventilation Systems: Proper airflow to prevent mold or moisture.
  
• Windows & Doors: Draft prevention.
  

9. Environmental Concerns in Pennsylvania Homes

Beyond the standard checklist, PA buyers should be aware of environmental hazards related to their home.

• Radon Gas: Extremely common in Pennsylvania. The EPA recommends testing all homes.
  
• Mold & Moisture: Especially in older basements and attics with poor ventilation.
  
• Lead Paint: Homes built before 1978 may contain lead-based paint.
  
• Asbestos: Found in older insulation, tile, or siding.
  

10. Additional Inspections Buyers May Need

A general home inspection may not cover everything. Buyers often request additional inspections for:

• Radon
  
• Termites or wood-destroying insects
• Mold and air quality
  
• Well water testing
  
• Septic system inspections
• Chimney inspections
  

These specialized tests provide a more complete picture of the home’s safety and maintenance needs.

What Happens After the Inspection?

Once your inspection report is complete, you’ll have a few choices to consider with your real estate agent. In many cases, buyers request repairs and ask the seller to address major issues before closing. 

Others negotiate for a credit or price reduction to offset the cost of future repairs. 

If the issues aren’t deal breakers, you can choose to accept the home as-is and move forward. 

On the other hand, if the report uncovers significant or costly problems, you may decide to walk away under your inspection contingency. Remember, in Pennsylvania, inspectors don’t “pass” or “fail” homes—they simply document findings so you can make an informed decision.

FAQs

Can a buyer back out after an inspection in Pennsylvania?

Yes. If your contract includes an inspection contingency, you can walk away without penalty. The contingency exists because a home inspection reveals hidden issues, which is how buyers avoid being locked into costly repairs they never agreed to. This protection is why inspections are one of the most valuable steps in the buying process.

Do sellers in Pennsylvania have to fix everything the inspector finds?

No. Sellers aren’t legally required to repair every issue. Instead, inspection reports open negotiations, which is why buyers can request repairs, credits, or price reductions. Sellers often agree to fix major safety or code problems, while cosmetic issues are left to the buyer.

How much does a home inspection cost in Pennsylvania?

The average PA home inspection costs between $300 and $600, depending on the size, age, and location of the property. This is a fraction of the potential repair costs—many defects, like a failing roof or foundation cracks, can exceed $10,000. That’s why inspections deliver one of the best ROIs in real estate. Added tests for Radon, termites, or mold, for example, can spike the pricing. 

Can I attend the home inspection as a buyer?

Yes, and it’s recommended. Being present allows you to ask questions in real time, which is how you understand the severity of issues beyond just reading a report. This direct knowledge is why buyers who attend inspections feel more confident during negotiations.

What are the most common issues found in Pennsylvania homes?

Older homes often show foundation cracks, roof wear, outdated wiring, and basement moisture. These problems are common because Pennsylvania’s housing stock includes many homes over 100 years old, built before modern codes. Wet, four-season weather also accelerates wear, which is why waterproofing, HVAC, and roofing often show up on reports.

Do Pennsylvania homes require a radon test?

Yes, in practice. Pennsylvania has some of the highest radon levels in the country because of natural geology, which is why the EPA recommends testing every home. Radon is invisible and odorless, but long-term exposure is a leading cause of lung cancer. Testing ensures your home meets safe levels.

What happens if major issues are found during inspection?

Buyers typically respond in one of three ways: request repairs, negotiate a credit, or exit the contract. This flexibility is why the inspection contingency is so valuable. It protects buyers from inheriting expensive structural, electrical, or environmental problems.

FEMA’s recent flood zone redistricting map across Northeast Pennsylvania put thousands of new homes inside of FEMA-designated flood zones. Being classified in a flood zone requires homeowners with a mortgage or applying for one to get flood insurance, which can amount to roughly $1400 annually in Pennsylvania. 

You may not think that your home is in danger from a flood, but even a little bit of water can amount to serious financial cost. According to FEMA, a few inches of water in your basement or home can amount to $25,000 in repairs. 

Flood zones aren’t just restricted to homes along the Susquehanna River and waterfront properties along Harveys Lake; homes in areas that experience heavy runoff, such as Danville or even Dallas, may still be classified in a flood zone even if they are not directly adjacent to water. 

This guide will help you understand what flood zones entail, how flood insurance works, and what to look for during inspections of homes located in flood zones.  

What Does It Mean to Live in a Flood Zone?

A flood zone is a geographic area defined by the Federal Emergency Management Agency (FEMA) that reflects the flood risk level in that region. FEMA categorizes areas from low risk to high risk, with maps that outline where flooding is most likely to occur.

If a property is located in a Special Flood Hazard Area (SFHA), it is considered high-risk. That means homeowners with federally backed mortgages are required by law to carry flood insurance.

Flood insurance is a special policy separate from your homeowner’s policy that protects the home and any associated belongings from flood damage. Homes in low-risk areas may be required to carry flood insurance as well.

It’s important to understand that flood patterns can be unpredictable, and homes located outside flood zones may be vulnerable to flooding and water damage. Conversely, homes in low-risk flood zones may never experience flooding, though they may still be required to carry flood insurance. 

Risks of Buying a House in a Flood-Prone Area

If you’re looking to purchase a home and discover that it is in a flood zone, you may want to take extra precautions during the inspection and appraisal process. 

Flood-prone properties can still be excellent investments, but there are additional risks you should be aware of:

• Property damage – Floodwaters can cause significant structural damage, ruin flooring, drywall, and electrical systems, and lead to costly repairs.
  
• Mold growth – Even minor flooding can leave behind lingering moisture, creating conditions for mold that can impact health and indoor air quality.
  
• Insurance costs – Flood insurance premiums can add hundreds of dollars to your annual housing expenses.
  
• Resale challenges – Buyers may be hesitant to purchase a home in a high-risk flood zone, potentially lowering resale value.
  

These risks don’t necessarily mean you shouldn’t buy a home in a flood-prone area, but they should factor heavily into your decision-making process.

Am I Required to Purchase Flood Insurance for My Home?

In most cases, flood insurance will be required by law or your lender if you live in a FEMA-designated flood zone.

• High-Risk Zones (SFHA): If the property is located in a FEMA-designated Special Flood Hazard Area and you’re financing with a federally backed mortgage, flood insurance is required.
  
• Moderate-to-Low Risk Zones: Flood insurance isn’t federally required, but many lenders still recommend or mandate it. Even homes outside high-risk zones can experience flooding, so many buyers opt for coverage as a safeguard.
  
• Cash Buyers: If you’re purchasing without a mortgage, you are not legally required to carry flood insurance. However, going without coverage means assuming the full financial burden if flooding occurs.
  

Because premiums can vary widely based on factors like elevation, foundation type, and proximity to water, it’s wise to request a flood insurance quote early in the buying process. This allows you to budget accurately and avoid surprises before closing.

What to Look For When Inspecting a Home in a Flood Zone

A thorough home inspection is one of the best ways to avoid costly repairs and protect your investment. 

Generally, the first place you and your inspector will want to analyze is the foundation’s condition. Cracks and settling don’t necessarily indicate past water damage, but water stains and visible gaps in your basement walls could indicate past flooding. 

If there are any waterproofing systems available, including sump pumps or basement sealant, you’ll want to inspect that they are working properly so that if it does flood, you will be able to deal with the fallout. 

Additional areas to note in the inspection report will include electrical panels and any appliances located in basements, to inspect whether there is any damage.

How to Floodproof Your Home

While purchasing a home in a flood zone can be a little nerve-racking, there are many ways to protect your home from flooding or moisture intrusion. 

• Invest in flood insurance: Even if not required, flood coverage gives peace of mind and financial protection. Keep in mind that flood insurance only covers damage from natural weather events and not any moisture intrusion, such as burst pipes.
  
• Elevate utilities and belongings: Moving HVAC units, water heaters, and valuable items above potential flood levels reduces damage risk. Even just elevating these appliances a few inches can make a world of difference.
  
• Improve drainage: Consider installing sump pumps, French drains, or regrading the yard to direct water away from the home. This will help your home avoid water intrusion during snowmelt as well.
  
• Seal basements and foundations: Waterproofing treatments can reduce seepage during heavy rains.
  

These measures not only help protect your property but can also lower your flood insurance premiums.

Balancing Risks and Rewards

Buying a house in a flood-prone area doesn’t have to be a deal-breaker. Many homeowners live safely and happily in such zones with proper precautions. The key is to understand the risks, budget for insurance, and make informed decisions about protecting your property.

By researching the flood history, reviewing FEMA maps, consulting with insurance agents, and getting a detailed inspection, you’ll be in a strong position to weigh the pros and cons of the home.

FAQs

How do I know if I need flood insurance?

Flood insurance is mandatory if the home is in a FEMA-designated high-risk zone and you have a federally backed mortgage. Even outside high-risk zones, many homeowners choose to purchase it for peace of mind.

How much does flood insurance cost?

Premiums vary based on your location, the home’s elevation, and its flood history. Costs can range from a few hundred dollars to several thousand per year. Getting a quote before purchase helps you plan your budget.

Can I get a mortgage for a house in a flood zone?

Yes. Lenders will approve mortgages in flood-prone areas, but they may require proof of flood insurance coverage before closing.

Radon is a naturally occurring radioactive gas that seeps into homes from the ground. It’s invisible, odorless, and tasteless, making it impossible to detect without proper testing. 

According to Pennsylvania’s Radon Division, over 40% of homes in Pennsylvania have unsafe levels of radon, as deemed by the EPA. Long-term radon exposure has been associated with various illnesses, including cancer, making mitigation extremely important.  

While radon mitigation systems are highly effective at reducing radon and fairly affordable, most residents are unaware of the threat that radon poses and fail to test for it.

Whether you own a home in Northeast Pennsylvania or are looking to buy a home, conducting a radon inspection is the first step to mitigating radon exposure and protecting your health. 

What Is Radon in Homes?

Radon forms naturally when uranium in soil, rock, and groundwater breaks down. Outdoors, it disperses into the air and usually poses little risk. Indoors, however, radon can accumulate to dangerous levels, especially in basements, crawl spaces, and lower levels where ventilation is limited.

The U.S. Environmental Protection Agency (EPA) has classified radon as the second leading cause of lung cancer in the United States, right behind smoking. For non-smokers, it’s the number one cause. Long-term exposure to elevated radon levels significantly increases the risk of developing lung cancer, making radon a serious concern for every homeowner.

What Are the Long-Term Effects of Radon Exposure?

Radon exposure isn’t something you’ll notice right away, but over time it can have serious health consequences. The primary risk is lung cancer caused by radioactive particles that damage lung tissue when inhaled. According to the EPA, radon causes about 21,000 lung cancer deaths every year in the United States.

The risk increases the longer you’re exposed, and it’s even higher for people who smoke. However, non-smokers are not immune, as radon is the leading cause of lung cancer among non-smokers. Because symptoms may take years to appear, many homeowners remain unaware of the danger until it’s too late.

How Common Is Radon in Northeast Pennsylvania?

Radon is extremely common in Northeast Pennsylvania, with many counties reporting levels well above the EPA’s recommended action limit of 4 pCi/L. 

Homes built near abandoned coal mines where radon freely releases into the air may be more at risk, though radon has been reported in homes high above the ground, including in the Hill Section of Scranton and Wilkes-Barre. 

Northeast Pennsylvania is considered a radon hotspot due to its unique geology. The region sits on uranium-rich rock formations, particularly shale and granite, which release radon as they break down. Combined with older housing stock and many homes with basements, conditions are ideal for radon accumulation.

While radon can be found anywhere, some counties in NEPA report consistently higher readings:

• Luzerne County – Many homes exceed the EPA action level due to underlying shale formations.
  
• Lackawanna County – Testing frequently reveals levels well above 4 pCi/L, even in newer construction.
  
• Monroe and Pike Counties – With mountainous terrain and rocky soil, radon prevalence is high.
  
• Wayne, Carbon, and Schuylkill Counties – Radon levels often reach some of the state’s highest averages.
  

No matter where you’re located in NEPA, the risk of elevated radon is real.

How to Test for Radon in Homes

One of the biggest challenges with radon is that you can’t see or smell it. The only way to know if your home has unsafe levels is through testing.

Several types of tests can be purchased DIY, though professional testing is always the most accurate. 

Certified radon professionals typically start by inspecting the home and identifying potential entry points, such as cracks in the foundation or gaps around pipes. They then place continuous radon monitors or charcoal canisters in key areas—usually the lowest lived-in level of the home—and leave them for the designated testing period. Afterward, the devices are sent to a lab or analyzed on-site, providing precise measurements that account for any fluctuations.

How Radon Mitigation Systems Reduce Radon

If testing shows radon above 4 pCi/L, the EPA recommends taking corrective action. Even levels between 2 and 4 pCi/L are considered risky and may warrant mitigation.

The best method to reduce radon is with a mitigation system. These systems create a low-pressure zone beneath the foundation that safely draws radon gas from the soil and vents it outside, preventing it from entering the home. Fans, pipes, and sealed entry points ensure continuous airflow, effectively lowering indoor radon levels to safe ranges.

Most radon mitigation systems cost between $800 and $1,500 in Pennsylvania. Considering the health risks, this is a small investment in long-term safety.

Testing for Radon Before Buying a Home

If you’re buying or selling a home in NEPA, radon testing is not included in the inspection process. Buyers will need to hire a specialized radon testing company to see whether radon levels rise above the EPA’s recommended threshold of 4 pCi/L.

As a seller, getting a professional radon test can be a good way to ensure potential buyers of the safety of your home.

In fact, some lenders and real estate contracts may even require radon testing before closing. If elevated levels are found, the seller is often expected to address them before the transaction is finalized, but there will be room for negotiation on both sides.

FAQs

What is radon and why is it dangerous?

Radon is a naturally occurring radioactive gas that comes from the breakdown of uranium in soil and rock. It is dangerous because long-term exposure can cause lung cancer, even in non-smokers.

How common is radon in Northeast Pennsylvania?

Radon is very common in Northeast Pennsylvania. Many counties report levels above the EPA’s action level of 4 pCi/L, making testing critical for every home.

How do I test my home for radon?

You can use a DIY short-term or long-term test, but professional testing provides the most accurate results. Professionals place calibrated monitors in your home, usually on the lowest lived-in level, for several days or months and then analyze the results to determine radon levels.