Originally Posted by
H.G. Watson, Sr.
"Individual water systems no longer require automatic testing or inspection unless it is mandated by state or local jurisdictions; it is believed that the water may be contaminated or when the water supply relies upon water purification system due to the presence of contaminants. The lender also has the option to require testing."
The presence of a water treatment system, such as chlorination, etc. a septic system dye test that the results indicate or tend to indicate that the system and well were "purified" (household bleach disables the dye and can lead to false and/or suspicous results), or a "belief" = this could be generated by a septic system report, the photos or report from the FHA "appraisal report", i.e. topography of the lot, geographic or regional history, (flood plain, USGS survey reports, etc.) "smell of bleach", simple things such as older un-protected from backflow or cross contamination potential hose bibs/spigots, local grazing or farming activities, evidence of recent repair/replacement in the system without evidence or proof of system sanitization processes, recent "winterization" or time periods with a lack of electrification (maintain pressure to system) regional or local contamination issues; OR a lender requirement. HUD/FHA and VA are insurance underwriting in the event of a default - the lender/producer is not limited to the FHA underwriting requirements those are the minimum.
Private well, should be SOP for a water quality test, don't see why you as a HI would be complaining, esp. for a buyer's inspection...unless you're waiting to closing for your fee. Private well owner should SOP at least annual testing, more extensive panels depending on region, aquafer, local/regional issues, nearby hazards, frequency depending. My "northern" I get nitrates and bacteria twice a year, TLCPs, heavy metals and isotopes every 2.
If on a private sewage treatment system (septic) its pretty much SOP for any lender to require water quality testing for coliform at a minimum if private well.
Two weeks for a turn-around certified water quality report?!? use a different certified laboratory!