Septic Inspections - Why a Septic Inspection Matters

 

If the home you’re considering uses a private septic system, a professional inspection is one of the most important steps in your due diligence. A thorough septic evaluation documents the system’s condition, flags hidden defects, estimates remaining life, and helps you avoid expensive surprises after closing. It also supports loan approval for programs whose appraisers or underwriters want assurance the system is functional, safe, and located the proper distance from wells and other features. 

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Many lenders and loan types reference septic functionality during underwriting. Conventional loans are often the most flexible, typically requiring additional inspection only when the appraiser notes a concern. FHA, VA, and USDA loans tend to be stricter, commonly checking performance and separation distances between wells, tanks, and drainfields; local code ultimately governs. Even when not mandated, getting a septic inspection is highly recommended for buyers and often requested by banks. 

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OTHER REASONS TO SCHEDULE AN INSPECTION INCLUDE:

• If you notice a problem: Maybe you’ve noticed unusual odors around toilets or drains, sluggish or weak flushing toilets, sinks that are slow to drain, or wet spots or lush plant growth over your drainfield.

• If you are planning to remodel or add on to your home: Not only do you want to make sure your septic system is up to the challenge, but you also want to avoid building above your septic tank or on your drainfield.

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THERE ARE TWO BASIC TYPES OF SEPTIC SYSTEM INSPECTION: VISUAL AND FULL

A visual inspection involves flushing the toilets and running the faucets for several minutes to surge the system and check for leaks or other problems. It should also include a walk-through of the yard area above the septic system.

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While visual inspections are sometimes carried out by home inspectors, working with a qualified septic service professional is always recommended.

A full inspection is more thorough and examines the inside of your septic tank to check the water level. This helps the inspector determine if there is a leak or if the system is overloaded.

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In most cases during a full inspection, the septic tank is pumped and the drainfield monitored for backflow. The inspector will also examine the pipes to ensure there is nothing blocking water flow from the house to the tank.

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