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The Importance of a Septic Inspection: What Every Homebuyer and Homeowner Should Know

The Importance of a Septic Inspection: What Every Homebuyer and Homeowner Should KnowChris Maynard

If you’re buying a home or living in one with a septic system, one of the most overlooked—but critical—steps you can take is getting a septic inspection.

While a home inspection covers the general condition of a property, it typically doesn’t include an in-depth look at the septic system. And yet, septic system failures can be extremely costly, messy, and disruptive if left unchecked.

In this guide, we’ll cover:

  • What a septic inspection is
  • Why it’s crucial for buyers and homeowners
  • What to expect during an inspection
  • When you should schedule one
  • The risks of skipping it

Let’s dig in—no pun intended.

💩 What Is a Septic Inspection?

A septic inspection is a detailed evaluation of a home’s septic system, including the tank, drain field, pipes, and overall function.

Licensed septic professionals check for:

  • Signs of leaks or backups
  • Tank condition and sludge levels
  • Proper drainage in the leach field
  • System compliance with local codes
  • Any warning signs of failure or aging components

🧰 This inspection is separate from a standard home inspection—and is often an optional add-on that you should absolutely opt into.

🏡 Why Septic Inspections Are Critical—Especially for Homebuyers

If you’re buying a home with a septic system, this inspection is non-negotiable. Here’s why:

  1. Septic Repairs Are Expensive

A failed septic system can cost $5,000–$30,000+ to repair or replace. That’s a surprise nobody wants after closing.

💰 A $400–$600 inspection could save you tens of thousands of dollars.

  1. Septic Issues May Not Be Obvious

The system is underground, and many problems are invisible without professional tools. A home may appear in perfect condition—until the drains start backing up.

  1. You May Be Responsible After Closing

Without an inspection, the seller might not disclose issues they aren’t even aware of, and you could be on the hook once the property changes hands.

🔍 A septic inspection gives you negotiating power—or time to walk away if the system is failing.

🔁 What Happens During a Septic Inspection?

A proper inspection includes:

  1. Locating the system if it’s not mapped
  2. Removing the tank lid for a visual inspection
  3. Measuring sludge and scum levels
  4. Checking for leaks, cracks, or backups
  5. Evaluating water flow from the house to the system
  6. Examining the drain field for saturation or foul odors

Some inspectors use cameras or dye tests to detect hidden issues.

⏱️ It typically takes 1–2 hours, and you’ll get a detailed report with findings and recommendations.

📅 When Should You Schedule a Septic Inspection?
  • When buying a home with a septic system (always!)
  • Every 3–5 years as routine maintenance for homeowners
  • If you notice:
    • Slow drains or gurgling toilets
    • Unpleasant odors near the tank or yard
    • Standing water near the drain field
    • Sewage backups
🚫 What Happens If You Skip a Septic Inspection?

Skipping a septic inspection can lead to:

  • Unexpected repair bills
  • Health and environmental hazards (contaminated groundwater)
  • Buyer’s remorse after purchasing a home with a failing system
  • Lower resale value if the system isn’t up to code

⚠️ Some lenders and states may even require a septic inspection for loan approval.

👷 Should the Buyer or Seller Pay for the Septic Inspection?

This varies by market, but here are the most common scenarios:

  • Buyers often pay during the inspection period
  • Sellers may pay to show transparency or meet lender requirements
  • Repairs or replacements are usually negotiable if issues are found

💬 Always discuss this with your real estate agent during offer negotiations.

✅ Final Thoughts: Don’t Flush This One Away

A septic inspection isn’t just a box to check—it’s a critical investment in your property’s safety, value, and long-term livability.

If you’re buying a home, make sure your due diligence includes the septic system. And if you’re already a homeowner, routine inspections can catch problems early—before they turn into disasters.

Buying or selling a home with a septic system in New London County?
I work with trusted local septic inspectors and can guide you through the process every step of the way.

📩 Contact me today to protect your investment and avoid costly surprises.
860-864-0209
chrismaynard@billheenan.net
chrismaynardrealestate.com
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