The 3 S's of Home Inspections Every Minnesota Buyer Should Know

Buying a Home? Focus on the 3 S’s During Your Home Inspection

A home inspection is one of the most important steps in the Minnesota home buying process. It’s your opportunity to understand what you’re really buying—before you finalize one of the biggest financial decisions of your life.

To keep things simple, we encourage buyers to focus on what we call the 3 S’s of Home Inspections: Safety, Systems, and Structure. These three categories help you separate minor cosmetic issues from items that truly matter when it comes to livability, long-term costs, and negotiation power.

Key Takeaways: The 3 S’s at a Glance

• Safety: Is the home safe for you and your family right now?
  
  
• Systems: Are the major components of the home working properly?
  
  
• Structure: Is the home’s foundation and framework solid?
  
  

No home is perfect—but understanding these three areas helps you make a confident, informed decision.

What Does “Safety” Mean in a Home Inspection?

Safety issues are always the top priority. These are concerns that could put occupants at risk and often carry the most weight during negotiations.

During a typical Minnesota home inspection, safety-related items often include:

• Electrical systems: Wiring, outlets, switches, and panels are checked for proper function and fire hazards.
  
  
• Plumbing: Water pressure, visible leaks, fixtures, and the water heater are reviewed for safe operation.
  
  
• Heating and cooling: Furnaces and air conditioners are evaluated to ensure they operate correctly and safely—especially important given Minnesota winters.
  
  
• Smoke and carbon monoxide detectors: Inspectors verify placement and functionality.
  
  

If a safety concern shows up in your inspection report, it’s usually reasonable to ask the seller to address it before closing.

Why Home Systems Matter More Than You Think

Systems are what make a house livable day to day. When systems are nearing the end of their lifespan, they may not be deal breakers—but they should factor into your planning and negotiations.

Inspectors typically review:

• Roof condition: Looking for signs of leaks, damage, or aging materials.
  
  
• Windows and doors: Checking for proper operation, drafts, and visible damage.
  
  
• Gutters and downspouts: Making sure water is being directed away from the home to prevent foundation issues.
  
  

In Minnesota, weather extremes can be tough on home systems. Understanding their condition helps you budget realistically for future repairs or replacements.

Structure: Checking the “Bones” of the Home

Structural components are the foundation of everything else. While true structural problems are less common, they can be costly if overlooked.

A home inspector will look closely at:

• Foundation: Cracks, shifting, or signs of settling.
  
  
• Floors: Checking for uneven areas or damage.
  
  
• Walls: Looking for cracks, bowing, or moisture concerns.
  
  

Not every crack is a red flag—but knowing which ones matter makes all the difference.

The Minnesota Home Inspection Reality

Homes in the Twin Cities and North Metro often reflect our climate and housing stock. Freeze-thaw cycles, older construction, and seasonal wear can all show up on an inspection report.

That’s why it’s important to remember:

• Every home will have findings
  
  
• Most inspection items are manageable
  
  
• The goal is understanding, not perfection
  
  

A good real estate agent helps you interpret the report, prioritize concerns, and decide what’s worth negotiating.

Need Help Navigating a Home Inspection?

Understanding an inspection report can feel overwhelming—especially if you’re buying your first home. The team at First Choice Realty Solutions helps Minnesota buyers every day by recommending trusted local inspectors, explaining findings in plain English, and negotiating inspection items when it makes sense.

If you’re buying a home and want guidance before or after your inspection, reach out to First Choice Realty Solutions for a clear, low-pressure conversation about your next steps.