You can skip a home inspection… but you’re basically choosing to buy a house the way you’d buy a used car in the dark, during a thunderstorm, from a guy named “Trust Me.” 😄
Here’s the real talk.
What a home inspection actually does (and doesn’t do)
A general home inspection is a professional, top-to-bottom “condition check” of the home’s major systems—roof, HVAC, electrical, plumbing, foundation/crawlspace, attic, appliances, moisture issues, drainage, etc.
It’s not a guarantee and it’s not an engineering report. But it is your best shot at spotting expensive surprises before you own them.
When skipping an inspection is a bad idea
Most of the time, skipping is a gamble—especially if:
* The home is 10+ years old (systems start aging out)
* It’s on a crawlspace (moisture + wood rot + termites love crawlspaces)
* You’re buying **as-is** (you still want to know what “as-is” means)
* You’re using a VA loan (you’ll still want eyes on condition items, even though VA has its own appraisal standards)
* You don’t have a big “oops fund” for repairs after closing
When it might make sense to skip (rare, but possible)
Skipping can be reasonable if:
* It’s new construction and you’re doing at least a builder punch + 11-month warranty inspection (honestly, new homes still have issues—just different ones)
* You’re buying the property mainly for lot value and you’re prepared to renovate heavily or rebuild
* You’re competing in a multiple-offer situation and have a high risk tolerance and a solid backup plan financially
Even then, a smarter move is often: don’t waive it—modify it.
The “smart compromise” options (my favorite)
If you’re worried about being competitive or “nickel-and-diming” the seller, you can:
* Do an inspection for information only (you keep the right to walk if it’s scary, but you’re not asking for repairs)
* Limit repairs to major items only (roof, structural, HVAC, electrical safety, plumbing leaks, moisture/termite damage)
* Shorten the due diligence/inspection window (shows seriousness without going blind)
This keeps you protected without turning the deal into a repair rodeo.
Bottom line
If you’re buying a home you plan to live in, a home inspection is usually one of the highest ROI moves you can make. It’s a relatively small cost to potentially avoid:
* A $10K HVAC surprise
* Hidden moisture/wood rot
* Roof failure
* Electrical hazards
* Foundation/crawlspace nightmares
Skipping it is possible. It’s just not “free.” You’re simply choosing to pay later… with interest.
If you’re in North Carolina, especially in our crawlspace-heavy market, I’d strongly lean toward getting the inspection and negotiating smart—not emotional.