33 Ways To Earn An Independent Income

 

You’ve probably found this web site because you are looking for ideas about earning extra income or starting a home-based business.

Starting a field inspection business may be just the right opportunity for you. After all, it’s easy to start up, without investing much money, and earn a solid income.

But …if it’s not exactly right for you, there is another site you may find useful, www.extraincomeover55.com, that has dozens of conventional and unusual ways to earn an independent income. Don’t be put off by the title, that just reflects the reality of being over 55, when you realize it’s getting harder to do strenuous physical work. That’s why the focus of the site is on jobs and home-based businesses that are easier on the body.

All of the information at the website is free – and you’re sure to find job and business ideas that will have you thinking “Maybe I could do that!” Click here: extraincomeover55.com  to discover more.

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6 Tips for Success as a Field Inspector

 

6 tips for success as a field inspector

6 Tips for Success as a Field Inspector

Millions of field inspections are completed each year by thousands of local field inspectors. Many new field inspectors are eager to get started, but sign up for jobs they really should avoid. Why? Because they forgot the main reason they became a field inspector in the first place – to make a good living.

There are plenty of field inspectors who continue to learn new skills in order to qualify for the high-paying field inspection jobs that can really boost their income. It’s not uncommon for a capable field inspector to earn $75,000 to $100,000, but it takes time to gain the skills to get to that level.

To take your field inspection income from pitiful to profitable, here are 6 tips you must remember:

 

1. If you’re just getting started, find the national field inspection firms that pay a fair price for a drive-by mortgage inspection. These days, that’s $15-$20 per inspection. There are many national firms that try to take advantage of “newbies.” hiring them for rock-bottom inspection fees. Many of these are connected with large, well-known banks and title companies.

Why do they pay so little? Most have several levels of compensation, so the $20 inspection fee paid by the lender gets diluted by two or three layers of middlemen, who each take a cut, and the local field inspector who does the actual work gets the crumbs. Your solution is simple – refuse to work for these firms unless they are willing to pay you a reasonable inspection fee.

 

2. Continue to improve your skills and knowledge to get the better paying assignments and do more advanced inspections, like commercial loss control inspections for insurance companies. Many of these national field inspection firms offer free online training, such as videos or webinars, so you can watch and learn new skills.

 

3. Carry a smartphone with you on the job so you can check your email for new inspection jobs. Many companies post new inspections as they become available, which could be any time of the day. By checking your email inbox during the day, you’ll be able to pick up new projects to do that same day.

 

4. Start a sideline referring investment opportunities to local real estate investors. Every community has folks who are on the lookout for bargain homes to buy, either to “flip” for a quick profit, or rehab and rent for income. They are willing to pay a “scout,” like a local field inspector, for a tip on any properties that may be available to purchase cheap. If you’re doing mortgage inspections, you’ll find lots of these homes that have potential as investments. So if you are doing an inspection in a neighborhood where there are neglected properties, such as those with neglected yards, pass the information along to investors for a finder’s fee.

 

5. Reliable field inspectors get the best assignments, as well as more jobs sent their way. If you follow the timeline to completion and get your report and photos back before the deadline, you’ll be rewarded in the future. To make sure you can wrap up your inspections on time, don’t take on any more projects than you can complete by their deadlines, and stay within your zip code area so you don’t waste driving time and fuel. Most inspectors use a 25 mile radius as their work “zone,” and charge extra to do inspections outside that zone.

 

6. Don’t forget to keep track of your business mileage and deduct it as a legitimate business expense on your annual tax return. The IRS currently allows 55 cents per mile, which can add up to a substantial deduction for most field inspectors, who put a lot of miles on their vehicles. For example, a full-time inspector might travel 800 miles a week doing inspections, which works out to 40,000 miles in a year. That’s a $22,000 tax deduction, which can help pay for a new car.

 

Like most businesses, success as a field inspector is built one step at a time, and these 6 tips will help keep you stepping in the direction of a high-paying job as an independent field inspector. To learn more about how to get started in this profitable business, read Drive-By Profits.

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New Book Reveals How to Find Field Inspector Jobs

There is a “secret industry that’s unknown to most people. Those who work in it come from all walks of life – students, retirees, men and women. Some work part-time,

The Guide to Field Inspector Jobs

while others are full time professionals. They are called independent field inspectors. Would you like to joint them and drive around your town, take a few photos, and get paid good money for it? Are you tired of the 9 to 5 rat race and eager to start your own business, one that won’t require loans or formal training? Them you may be ready to become an independent field inspector.

It’s really quite simple. The new book Drive-By Profits will teach you everything you need to know to get in your car and on your way in this exciting and growing field. It’s the one-stop manual that has all the answers, and best of all, it’s presented in a fun, easy-to-read way that makes it an enjoyable—and don’t forget, worthwhile—read. So sit back, kick up your feet, and get ready to learn about this profitable career.

An independent field inspector performs drive-by property checks by filling out some basic forms, taking a photo or two, and getting paid good money to do it. The inspections rarely take more than half an hour and can pay $20, $30, or more for each report. It can be a second income or can become a lucrative full-time job. After all, you probably fill out several forms a week anyway (bills, doctor visits, order forms, etc…) and take a few photos here and there, and chances are you’re in a car at least some of your day. Why not get paid for it?

Becoming an independent field inspector is fairly easy. You probably have all the supplies. You probably have the desire. Now you just need a little help to get you on your way. Drive-By Profits is here to provide that help.

The book is broken down into easy-to-read sections that will help you learn what to do to start a successful field inspection business:

• Types of inspections (property, commercial, FEMA, and more)

• How to get started and on your way to good money

• How to get all the jobs you want

• An extensive list of national field inspection companies

Want to be your own boss? Make good money on a schedule that works for you? Drive-By Profits will tell you how to do that, and before you know it, you’ll be in your car with money in your pocket and money in the bank. Your first check will likely cover the cost of the book. So what’s to lose?

So are you sitting there looking for a new career? A chance to make some extra cash or maybe turn it into a thriving business. Drive-By Profits will give you the skills and encouragement to get started, and before you know it, you’ll be wondering why you didn’t get the book sooner. To order, click here.

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What is a Field Inspector?

Field Inspection

A field inspector is a person who is hired on a per-project basis to provide an in-person visual inspection of homes, apartment buildings and other commercial real estate. They also do collateral inspections of equipment such as bulldozers, excavators, boats, RVs, even medical equipment leased to a clinic or hospital.

The purpose of a field inspection is to check the condition of property or equipment for the company that loaned money on it, such as a bank, mortgage company or other lender. For example, insurance companies often require a field inspection to verify building dimensions, condition and safety issues like missing or damage stair handrails or cracked sidewalks that could cause a fall.

Because most lenders prefer to avoid the expenses of having full-time employees in all parts of the country, they “out-source” the work to local field inspectors. Although most field inspection jobs come from banks, insurance companies, leasing companies and other lenders, there are always exceptions. For example, a national mattress company recently had a warranty problem, so they hired independent field inspectors in towns around the U.S. Those inspectors visited homes, took pictures of the defective mattresses and filed a simple report. A visit took 20 minutes, paid $25, and there were dozens of these every month in many towns.

Another national firm leases heavy equipment, such as portable generators, bulldozers, cranes and job-site office trailers. They require periodic inspections to verify that the equipment is where it is supposed to be. They have equipment in thousands of locations, and each inspection, with a digital photo to provide proof, can bring $20-$30. So there are lots of opportunities to make money in this area as well.

The economic downturn of the last few years has created financial hardship for millions of homeowners, forcing many to lose their homes to foreclosure. This is one of the toughest experiences anyone can go through. Over three million homes nationwide have been foreclosed. This has created a huge opportunity for those who can do foreclosure inspections. Banks and other lenders who hold the mortgage on foreclosed are required by law to track the condition of the property to prevent damage from lowering the property value further.

TYPES OF FIELD INSPECTIONS

Collateral Inspections

When a company leases equipment, they need to confirm, with an on-site visit, that the equipment is where it’s supposed to be, and used and maintained correctly. Most collateral inspections are for construction equipment, such as backhoes. Occasionally, lenders will want an inspection of other equipment, such as vending machines, portable generators, even medical equipment.

Commercial Inspections

Commercial inspections are detailed inspections of business properties, such as restaurants, retail stores, warehouses and apartment buildings. Most commercial inspections are done for insurance companies, who will supply a checklist of the items they want inspected. Most also require digital photos of the inspected items, such as roofs, elevators, stairs, electrical and mechanical systems and laundry rooms. Many inspections focus on just the business equipment when the building is leased. At a pizza shop, for example, a check list would likely include the pizza ovens and other cooking equipment. Some lenders even require “preventive maintenance” inspections yearly to insure that repairs and regular maintenance are being done. These are usually larger properties, such as office buildings or apartment buildings.

Construction Progress Inspections

When a lender makes a construction loan to a builder, the money is paid in a series of progress payments as the building is completed. For example, a builder typically gets a percentage of the loan when the foundation is completed, the framing is completed, the exterior shell is completed and so on. To insure that the work has actually been done, lenders require a field inspection to verify the work. The lender will supply a checklist of what they want inspected and photographed.

Delinquency Inspections

During the last housing crisis in the 1980s, the government began requiring that lenders make contact with any delinquent homeowners. Today, due to the current housing crisis, millions of homeowners are behind in their payments, or have simply abandoned the home and moved away. Because of this, there is an abundance of work doing delinquency inspections to verify occupancy and condition of the home. Some field inspectors also do what’s known as “property preservation”, such as boarding up broken windows, draining a backyard pool, cutting the grass and changing locks.

Drive By Inspections

Drive-bys, also called “photo only” inspections, are quick inspections that require just a picture and a look at the property or item, and file a simple report. Because they are so simple, it’s possible to do several in an hour.

Home Condition Inspections

When a home is in foreclosure, or has already been foreclosed, the lender needs to verify the condition of the property regularly. A field inspector determines whether the house is occupied, or note any damage and the condition of the house. Digital photos of the home are almost always included in a home condition inspection.

Insurance Inspections

Insurance companies need local field inspectors at two times. First, when they write a new policy, an inspection is done to look for hazards, such as unfenced pools or damaged stairs.. Most insurance companies also verify the square footage of the home at this time by measuring the sides.

Occupancy Inspections

An occupancy inspection is requested by a mortgage company to verify that the person who borrowed the money is really living in the home. Most residential mortgages for owner-occupied homes contain a clause requiring the borrower to live in the home at least a year, and so the mortgage company must confirm that with an on-site inspection.

Becoming a field inspector is surprisingly easy. In most cases, no formal training is required, just the ability to follow basic instructions and use a computer and a digital camera. Most of the national companies that hire local field inspectors provide free online training for more complex inspections, but almost all routine inspections just require filling out a company-supplied form and sending in one or more digital photos.

Since it’s freelance work, most field inspectors work from their home, and drive to the properties they’ve been assigned to inspect. An inspector’s schedule is flexible as well, so those who want to work part-time can pick just the jobs that they want to do.

Today’s tough economy has created even more need for new field inspectors, because government regulations require regular property checks on foreclosed properties. With millions of foreclosed homes, the demand is high for those who can do these simple inspections. To learn more about this profitable business, read Drive By Profits.

 

 

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Record Number of Home Foreclosures Means Growing Demand For Independent Field Inspectors

Opportunity for Field Inspectors

The number of homes taken over by banks each month topped 200,000 for the first time since the “mortgage meltdown” began over three years ago, according to RealtyTrac. In 2005, before the housing crisis, banks foreclosed on just 100,000 in an entire year! Now, the yearly total is over one million foreclosed homes, or one in every 139 homes.

Make no mistake about it, losing your home has got to be one of the most traumatic experiences anyone can go through. At the same time, the huge increase in home foreclosures created an opportunity for others who “service” the foreclosed homes. When a home is foreclosed, the property needs to be inspected regularly to prevent further loss of value.

A federal law, passed after the savings & loan meltdown of the 80s, requires lenders, such as banks and mortgage companies, to check on the condition of their foreclosed properties as often as once a month. Most lenders prefer to subcontract these property checks to field inspection companies around the country. There are over 60 nationwide field inspection companies that cover most states, as well as hundreds of smaller firms that cover a region, such as one state, or even just one city.

Because it would be very expensive for the national inspection companies to have full-time field inspectors everywhere, they depend on independent field inspectors to do local property inspections. Local inspectors usually take a few digital snapshots of a property, such as a foreclosed home, then complete a short form or checklist. The information is then e-mailed to the national field inspection firm. Depending on the type of inspection and the information needed, each report pays between $15 and $50.

Many property inspections can be completed in less than 15 minutes, often without leaving the car. That’s why they are sometimes called “drive-by inspections.” It’s ideal work for part-timers like college students, retirees or stay-at-home moms.

The current explosion in the number of foreclosed homes has dramatically increased the need for local independent field inspectors. To get started doing field inspection jobs, simply register online with one of the national field inspection companies. Then they will send e-mail notifications of new local inspection jobs. Because most inspections have to be done promptly, it’s very important to pay attention to the deadline posted with each job. If it fits your schedule, and you can meet the deadline, accept the job. If not, don’t accept the assignment.

If you’re looking for a way to get paid for driving around and taking snapshots, becoming a full-time or part-time property inspector could be the perfect opportunity for you. The schedule is flexible, the pay is good, and the demand for independent field inspectors has never been greater. To learn more, read Drive By Profits.

 

 

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Top 5 Money Makers For Field Inspectors

Top 5 Money Makers for Field Inspectors

Being a field inspector is a great way to make nice money. There simply are a lot of field inspector jobs out there. But what are the top 5 money makers for field inspectors? The best ways to make the profits you’ve always dreamed of.

1. Commercial inspections

Insurance companies often request an inspection of various business properties. Some that might fall under this category include retailers, wholesalers, restaurants, condo complexes and apartment buildings. You’ll generally be given a checklist and asked to take photos of areas, such as the stairs, elevator or laundry room. Often you might just focus on the business equipment itself, such as a pizza oven in a pizza restaurant. These inspections pay $50 to $300 for a half an hour or more of work.

2. Delinquency inspections

The recent recession has meant a high number of foreclosures as people are falling behind in their home payments. A field inspector might be asked to visit the delinquent borrower and to inquire as to when they play to make a payment. If they’re not there, the inspector often leaves a door hanger urging the homeowner to contact their lender. These can pay $10 and up, and it’s really quite possible to do several in an hour. Some field inspectors do property preservation, such as boarding up broken windows and changing locks. These often pay from $40 to $100.

3. Construction progress inspections

When a lender loans money to a construction builder, it is often done in “progress” payments as the building is completed. A field inspector’s job is to make sure things are progressing as planned. They follow a checklist and take a few photos. These inspections take 10 to 20 minutes and pay $25 to $40 each.

4. Collateral inspections

When equipment is leased, such as a backhoe or bull dozer, the company that loaned it often wants to make sure the equipment is where it should be and is being maintained. These on-site inspections take just a few minutes and can pay anywhere from $20 to $100 each.

5. Insurance inspections

Insurance companies need an inspection at two different points. First when a new policy has been written. The inspection involves checking the condition of the property, looking for cracks in the sidewalk or damage to the stairs. These inspections take about half an hour and can pay $25 to $60. The other time an inspection is necessary is after a claim has been filed, such as after a tornado or flood. As repairs are made you might be asked to do additional follow-up reports to make sure things are progressing as they should be. These can pay anywhere from $20 to $80 per report.

These top 5 money makers could help you make the profits you’ve always dreamed of. It’s all possible by becoming a field inspector. Try these five out, and you’ll be amazed at the profits you’re making in very little time. To learn more about field inspector jobs, read Drive By Profits.

 

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The Easy Way Field Inspectors Make Money From Foreclosures

Foreclosure Profits

The recession has hit everyone hard. People are cutting back, many are losing their jobs and in particular, families are losing their homes. While many businesses are hurting, it’s actually a busy and profitable time for independent field inspectors. Foreclosures can actually mean easy money for field inspectors. Good money too. Here’s how:

A field inspector’s job is fairly easy. They often are expected to drive to a site, such as a home or construction site, fill out a couple basic forms, take a measurement or two and snap a few photos. That’s about it. That’s why field inspections have been called “drive-by profits.” They take little time, and can make you good money.

As an independent field inspector, you can work as little or as much as you’d like. You’re the boss. You’re in charge. You can make your daily schedule work with your other jobs, commitments or whatever else you have going on. You simply have total control. Plus, there are no expensive classes or certifications required, and the supplies you need shouldn’t cost you too much. You might already have all them. In addition to a reliable car to get you to and from jobs, you’ll need a cell phone (one that you can use to check your email is ideal), computer with access to the internet, tape measure, clipboard and a basic digital camera. A simple point-and-shoot will do. You just need something that can take clear, bright photos.

So how can you make money from foreclosures? The recent housing crisis has made for a lot of business in the area of delinquency inspections at homes where the homeowners are behind in their payments. As a field inspector, you might be asked to visit a home where the homeowner is still there. You simply ask a couple questions, such as when they plan to make a payment, and then take down any current contact information. If the delinquent homeowner isn’t home, you’ll often just  leave a door hanger behind that asks them to contact the lender as soon as possible. Simple drive-by inspections pay around $10 a visit, which doesn’t sound like much, but you can actually do several in an hour. That’s just one of the many perks of being an independent field inspector—the jobs often take so little time, you can do multiple jobs in an hour.

In addition to these tasks, you might be asked to survey the general condition of the property. This could include taking a few photos and measurements. Some field inspectors will even do property preservation, such as boarding up broken windows, cutting the grass, changing locks and draining a backyard pool. These more-involved delinquency inspections pay from $40 to $100 per inspection.

There’s another way to make good money with delinquent homes. Real estate investors are always looking for “troubled” properties. If you can let them know about such a property, they often pay you a finder’s fee.

The recession is hurting everyone, but it can actually mean a lot of business for independent field inspectors. There simply are a lot of field inspector jobs out there for people interested in delinquency inspections. The jobs take very little time, it’s possible to do several in an hour and you can make nice money doing them. To learn more about field inspector jobs, read Drive By Profits.

 

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Questions You Should Ask Before Becoming an Independent Field Inspector

Questions For New Field Inspectors

There are a few questions you need to answer before you become an independent field inspector. Think about the questions and the answers to them, and you’ll get started on the right foot. Knowing the right answers can help you make more money with less effort doing field inspections.

1. What zip codes can I work in?

The more zip codes you are available to work in, the more work you can get, as companies assign inspections by zip code. That zip code a few miles away might be one loaded with field inspection work. Be careful, though. Only offer a zip code if you think you can work in it. If it feels unsafe or it seems like too much of a hassle to drive out there, then don’t list that zip code with field inspection companies.

2. Am I easy to reach?

The easier you are to reach, the more jobs you could get. So be sure you are easy to reach. You need a reliable cell phone. Keep it on and close to you at all times. If you have a cell phone with email capabilities, that’s even better. Also, you need a computer with internet access. You need to check your email often. Do it. Be easy to reach, and you’ll keep field inspection companies happy and get more assignments.

3. Do I have a reliable vehicle?

You certainly don’t need any special kind of vehicle, but you need something that can get you to and from your inspection jobs. Do you have a reliable vehicle? If your car often breaks down, you’re going to find it hard to be successful as a field inspector.

4. Have I signed up with enough field inspection companies?

The more field inspection companies you sign up with, the more jobs you can get. Don’t feel like you can only sign up with one or a few companies. Sign up with as many as you like. It doesn’t take that much time to sign up with a company, and it could lead to better profits and a wider choice of jobs.

5. What form of payment would I like to get?

Many field inspection companies offer to pay their inspectors through direct deposit or having a check mailed. It’s advised you select direct deposit. It’s safe and easy, and quicker than waiting for a check to arrive in the mail.

6. Do I have the right supplies?

In addition to a reliable vehicle, cell phone and computer with internet access, you’ll need a clipboard, tape measure and digital camera. No need to purchase an expensive digital camera. A simple point-and-shoot will do. You need these supplies. Make sure you have all of them, and that they all work well. The right tools for the right job, remember? It’s certainly true for a field inspector. If you have the right supplies and are able to complete the jobs the way the field inspection company wants, you’ll see jobs continue to come your way.

These are some questions you should consider before getting started. Answer them to the best of your ability, and you’ll be a successful field inspector in no time. To learn more about field inspector jobs, read Drive By Profits.

 

 

 

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Got a Car and a Camera? Here’s Your Ticket to Financial Independence With a Field Inspector Job

Drive By Inspection

Are you looking for a new and easy way to make good money? Something that could bring you the kind of financial independence you’ve always been looking for? Do you have a car and a camera? Great! Then you could be on your way to big profits as a field inspector. Here’s how:

Field inspectors perform basic inspections and get paid good money to do it. When a company that leased equipment to a construction company wants to be sure their equipment is on the job site and being used properly, who do they call? A field inspector. When a foreclosed home is vacated and the lender needs someone to verify that, who do they call? A field inspector.

So do you need a lot of formal training or classes to become a field inspector? Not at all. Any training that might be necessary will be provided by field inspection companies at no cost to you. The work you do as a field inspector is fairly easy. You often show up to a site, such as a construction site, new office building or home, and then fill out a couple forms, take a few measurements, snap a photo or two and then you’re on your way to the next field inspector job. It’s really that easy.

Being a field inspector is not a get-rich-quick scheme. You probably won’t make a fortune or be able to buy that private jet you’ve had your eye on. But you can make a nice living as a field inspector. The average pay for field inspector jobs varies greatly from $5 to well over $100, and many of these jobs take less than half an hour to complete. It’s quite possible to make several hundred dollars a day.

Plus, there are hardly any start-up costs. In fact, you might have all the necessary supplies already: a car to get you to and from jobs, a tape measure, a clipboard, a computer with internet access, a cell phone (one with email capabilities is ideal) and a digital camera. A simple point-and-shoot will work just fine.

Okay, so how do you get started? If you have your supplies, you’re ready to sign up with field inspection companies. Sign up with as many as you like. Also, the more zip codes you offer to work in, the more work could be coming your way. Be advised that any company that requires E&O insurance (errors and omissions) probably isn’t one you should sign up for. Most companies don’t require this insurance, and the companies that do require E&O often pay low amounts.

After you’re signed up, start checking your email often. You’ll soon be getting job offers emailed to you. Reply quickly, and you’ll continue to see work coming your way. Follow the instructions, and complete the tasks in a timely manner. Be sure to get everything turned in by the deadline. Do this, and you’ll continue to get a lot of work.

If you have a car and a camera, you can be on your way to financial independence as a field inspector in no time. You accept the jobs you’d like to do, and you can work as little or as much as you’d like. It’s quite easy work too. It’s not a get-rich-quick scheme, but you can make a nice income if you work hard and provide good work. Before you know it, you’ll be making the kind of money you’ve always dreamed about. To learn more about field inspector jobs, read Drive By Profits.

 

 

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Five Ways To Get All The Field Inspection Jobs You Can Handle

Top 5 Money Makers for Field Inspectors

As a field inspector, you can work as little or as much as you’d like. Naturally the more you work, the more money you can make. You’d really like to get a lot of field inspection jobs. How can you get all the field inspection jobs you can handle? Here’s how:

1. Do really great work

This sounds obvious, but is what holds some field inspectors back. Do really great work. Take clear, bright photos. Fill out forms completely. Meet your deadlines. If at all possible, get inspections done considerably before the deadline. If you can consistently supply really great work, inspection companies will notice and keep throwing work your way. Keep the inspection companies happy, and you’ll be happy with the big profits coming your way.

2. Sign up with a lot of field inspection companies

The more you sign up for, the more jobs you can potentially get. Don’t feel you have to only sign up with one or a few companies. Sign up for as many as you’d like. There are a lot of inspection companies out there that are eager for good inspectors. That could be you.

3. Offer several zip codes

The more zip codes you can work in, the more work you’ll get. A zip code a few miles away might be full of field inspection jobs that can pay great money. Be careful, though. Don’t take on more than you can handle. Only select zip codes that you think you can reach easily and complete the jobs within the required deadline.

4. Check your email often

You probably never thought you’d need an excuse to check your email more often than you already do, but here’s one: the more you check it, the more work you could get. You want to be the first to respond to a job offer. Also, keep your cell phone turned on and on you at all times. Ideally, you’ll have a cell phone with email capabilities, so you can frequently check your email while you’re out doing jobs.

5. Do FEMA inspections

A natural disaster can mean a lot of work for field inspectors. FEMA sends in inspectors to assess property damages. So that’s why you might want to consider becoming a trained FEMA inspector. Two companies contract with FEMA to provide field inspectors: PaRR Inspections and PB Disaster Services. Both are listed in Drive By Profits.

Try any, or all, of these five suggestions, and you could see a lot of work coming your way. Remember to consistently do good work, list several zip codes you can work in, sign up with a lot of field inspection companies, check your email and cell phone often, and consider becoming a trained FEMA inspector. Soon you could have all the inspector jobs you can handle. To learn more, read Drive By Profits.

 

 

 

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