Jason Dattoli says his home in New Oxford, Adams County is falling apart.
His family bought a home back in April then a few months later, Jason noticed issues in the basement.
He called his homeowners insurance company only to find out wood eating insect damage is not covered.
He then called a few contractors and the news wasn't good.
"It would be cheaper to tear it down and build a new one than it would be to fix it. It`s 100 years old, I knew there was going to be some problems, I didn`t think it would going to be to the extent of tearing it down," said Dattoli.
What Dattoli doesn't understand is how his house could have been approved for a Federal Housing Administration or FHA loan.
"This loan should have never gone through. It should have been caught and stopped before it went this far," he said.
Dattoli says his home inspector did notice some damage and recommended an expert check it out.
So, Dattoli called a Pest Control Company.
According to this report, the company treated for powder post beetles and indicated that no other treatment was needed.
FOX43 Finds Out showed the damage to a local real estate expert.
Adam McCallister was not Dattoli's realtor.
However, after looking at the damage he says Dattoli's situation is a nightmare scenario for a new home buyer, especially someone with an FHA loan.
McCallister said, "It`s rare because there are certain safeguards and guidelines that are in place to hopefully stop this type of thing from happening."
Those guidelines include proving the home is structurally sound and livable, among other things.
"I don`t know how that part gets missed. Then again, where there`s human involved there`s error."
At this point, McCallister says the homeowner doesn't have too many options.
"Contact an attorney. When we get to that point, we move out out of a real estate conversation and move to a legal conversation."
FOX43 Finds Out did talk to a lawyer and he says a case would depend on the wording of things like the appraisal, home inspection and the pest control report.
Dattoli is now talking with a lawyer.
He also says if he could get a re-do on the home buying experience, Dattoli says he would have asked a lot more questions.
McCallister gave some tips for future home buyers:
- Make sure you have your own independent full tome real estate agent. Do not use the same agent who’s helping the buyer. It’s called dual agency and it’s allowed in PA. McCallister says it’s the highest litigated issues with real estate
- Don’t be afraid to interview and talk to difference home inspection agencies. Ask for sample of their inspection. Make sure they’re doing a full and detailed home inspection from top to bottom. Also, be there when it happens.
- Look at the basement of a home, it can tell a complete history! Homes more than 100 tears old have log beams. Look at them. Powder post beetles, Carpenter ants, termites. Call it out! And make the seller aware and having that conversation
- Find out if the home was recently flipped. It could just be putting a band-aid on a situation instead of actually getting fixed.
If you have a story you want Jackie to look into, FOX43 wants to find out.