Every Type of Inspection You Need When You Buy a Home

By Missy Nolan

August 20, 2024

Maybe you loved the spacious kitchen or could picture yourself hosting fun parties in the saltwater pool. Perhaps you wanted a home in a highly acclaimed school district or found the perfect place for a fresh start after a divorce. Regardless of what prompted your decision to buy a new home, don't call the moving crew just yet.

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Before you sign any papers, learn what inspections are needed when buying a house. Otherwise, you may find yourself with buyer's remorse as you tackle unexpected issues like mold remediation, faulty electrical systems or pest infestation.

What Inspections Are Needed When Buying a Home?

Purchasing a home is likely one of the biggest investments you'll ever make, so it's important to know what inspections are needed when buying a house. Here are several types of home inspections you may want to request before buying a property.

General Home Inspection

Scheduling a general home inspection is a necessary step in the home-buying process. Many lenders require a home inspection as part of the mortgage approval process so they can verify the property is in good condition.

During a general home inspection, a certified home inspector evaluates the structural integrity and condition of the home. This includes checking the roof, foundation, electrical systems, plumbing, heating and cooling systems and other critical components of the house for issues. Once the inspection is completed, the inspector should provide you with a detailed home inspection report that describes any defects or maintenance issues in the home. If you feel the evaluator didn't thoroughly inspect the property or want an in-depth inspection for certain areas, consider the options below.

Pest Inspection

Pests can cause significant structural damage. A pest inspection checks for any signs of pest infestations or damage caused by termites, rodents or other insects. Left untreated, pests can destroy your home, leaving you with expensive repairs or even medical issues from dander or droppings.

Mold Inspection

Mold can cause severe health risks and major property damage if ignored. During a mold inspection, an evaluator will check for visible mold and use an air quality test for hidden spores. Homes in humid climates or with previous water damage are particularly susceptible to mold growth, so keep that in mind if your area is prone to flooding.

Radon Testing

Radon is a naturally occurring, odorless gas that sneaks into homes through cracks in the foundation. Exposure to high levels of radon can increase the risk of lung cancer. Radon testing is crucial if your home is located in an area with high radon levels, such as near an industrial park.

Asbestos Inspection

If you’re buying an older home, an asbestos inspection might be necessary. Asbestos is often found in homes that were built before the late 1980s and can pose serious health risks if inhaled. Symptoms of asbestos exposure include coughing, wheezing, nail clubbing and lung scarring.

Lead Paint Inspection

Homes built before 1978 may contain lead-based paint. Lead paint can be hazardous, especially to children and pregnant women. A lead-based paint inspection can identify and assess the risks associated with lead exposure in your future home.

Septic System Inspection

A septic system inspection can be essential for homes without access to a public sewer system, such as homes in rural areas. This inspection evaluates the condition of the septic tank, drain field and other components in your septic system.

Chimney and Fireplace Inspection

If your potential new home has a chimney or fireplace, consider getting a chimney inspection. The inspector can check for blockages, cracks and other issues that could lead to fire hazards or carbon monoxide exposure. Your home inspector should also check the roof during a general home inspection, but if they don't, ask if they can take a look after examining the chimney.

HVAC Inspection

A heating, ventilation and air conditioning inspection, commonly called an HVAC inspection, checks the efficiency and functionality of a home's heating and cooling systems. This inspection helps ensure the systems are in good working order and ductwork is clean and properly sealed.

Pool Inspection

Don't skip the pool inspection before you go for a swim. A pool inspection covers the pool’s structure, plumbing, electrical systems and safety features like fencing and covers.

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Is a Real Estate Inspection Mandatory Before Purchasing a Home?

Depending on where you live, your state or lender may require a real estate inspection or home inspection. While a real estate inspection isn't always mandatory, there are several benefits associated with getting one. A thorough home inspection helps identify potential problems so you can have peace of mind knowing your family is protected from safety hazards or health risks.

A home inspection also gives you leverage in the buying process. If significant issues are discovered, you can ask the seller to fix the problems before closing or adjust the purchase price to account for necessary repairs.

Buying a home is an exciting milestone, but use caution during the process. Conducting thorough inspections before finalizing your purchase can prevent future headaches and financial burdens.

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