Payment and refund policy

Price and how you pay

• The price of each form or package is shown on this site and on your invoice. It includes the visit, the photos the form requires, our review and email delivery to you and the recipients you choose.
• You pay when you book or on the invoice we send, as your booking confirmation says.
• We accept card, bank payment (ACH) through our invoice, and Venmo (LYSPECT business profile, marked as a purchase). We do not add a card surcharge.
• Charges appear on your statement as LYSPECT.

Rescheduling

You can move your visit free of charge up to 24 hours before the start time, up to 2 times. Email hi@lyspect.com. A later change counts as a late cancellation.

Cancelling more than 24 hours before the visit

If you have not paid, you owe nothing. If you have paid, you choose:

• A full credit for any LYSPECT service at the same property, good for 12 months.
• A refund minus a $35 booking fee, which covers the public-records research and scheduling already done and the payment processing cost.

Late cancellation, no-show or no access

If you cancel within 24 hours, nobody 18 or older is at the property, or we cannot reach the parts the form requires (a locked attic, no roof access, a blocked panel, unsafe conditions, aggressive animals), we charge half the price of the booked visit for the time we reserved for you and the trip. Anything else you paid becomes a credit for a new visit within 12 months.

We wait at least 20 minutes at the property and call or text you before we count a no-show. If we could reach only part of the home, we complete what we can, and you can book a return visit for $75.

After the inspection

The fee is earned once we have inspected the property and is not refundable. That includes when your insurer gives no discount or a smaller one, raises your premium or will not insure the home; when a form shows something you hoped it would not; and when you sell the home, change insurers or no longer need the form. Our fee never depends on the results.

If the mistake is ours

If a form has an error that is our fault, tell us. We correct it and resend it at no charge to you and your recipients, usually within 2 business days. If an insurer rejects a form because of our error and we cannot fix it with a correction or a free return visit, we refund what you paid for that form.

If we cannot do the inspection

If we cancel, are more than 1 hour late without notice, or cannot inspect safely because of weather, illness or an emergency on our side, you choose a new date or a full refund. If we cannot offer a new date within 7 days, you may ask for a full refund at any time.

Re-inspections

If you change something (a new roof, shutters, windows or water heater) and want new forms, that is a new inspection at our regular price. If your insurer asks for your wind mitigation form to be independently verified, Florida law says the insurer pays for that.

Nothing sold at your door

We do not sell extra services during the visit; you can book another form online. If you ask us to add a form on the spot and we agree, you have 3 business days to cancel that added purchase. We will give you the written cancellation notice, hold the added form until those 3 business days pass, and refund it within 10 days if you cancel.

Yearly membership

The membership is paid when you join and covers one visit a year at one property. It does not renew by itself: about 30 days before the year ends we email a reminder and a new invoice, and if you do not pay it the membership simply ends. If you cancel before the year's visit, you get a credit or a refund minus the $35 booking fee. After that year's visit, the year is earned and not refundable. The membership is not a warranty or insurance.

Refunds and credits

Refunds go back to the original payment method within 10 business days. Credits are good for 12 months for any LYSPECT service at the same property, have no cash value except as this policy says, and can be passed to a buyer of the property by email.

Problems and disputes

Please contact us first at hi@lyspect.com. We answer within 2 business days, and most problems are solved with a correction, a return visit, a credit or a refund under this policy. You keep every right you have under the law and with your bank or card company, and we never charge a fee for opening a dispute.

Changes

The policy that applies to your booking is the version in effect when you book. We keep a copy of every version.