By Adam Chubbuck
Maryland Home Inspections: What You Can Waive (and What Will Cost You)
In the red‑hot markets of Severna Park, Severn, and Glen Burnie, buyers often feel the pressure to “go clean” on an offer. As a Realtor in Anne Arundel County, I hear the same question again and again:
“Do I really need an inspection, or can I waive it to win the house?”
Whether you’re eyeing a historic Annapolis colonial or a new build in Columbia, skipping the wrong inspection can turn your dream home into a money pit. Here’s how to navigate Maryland’s inspection landscape confidently — and make a competitive offer without taking foolish risks.
The Big Three Maryland Inspections
You can inspect nearly anything, from a fireplace to a swimming pool, but these three are the heavy hitters for most Maryland home sales.
1. General Home Inspection
The Scope: Structure, roof, HVAC, electrical, and plumbing systems.
The Maryland Twist: Home inspectors must be state‑licensed and follow InterNACHI or ASHI standards. Always confirm credentials before hiring.
Can You Waive It? Technically yes — but it’s the biggest risk you can take. Hidden defects become yours the second you sign.
2. Radon Testing
The Scope: Measuring radioactive gas levels that could cause long‑term health hazards.
The Maryland Twist: Many parts of the state — particularly Montgomery, Howard, and Frederick Counties — are high‑risk radon zones.
Pro Tip: In Montgomery County, radon testing is legally required for most home sales.
3. Wood‑Destroying Insect (WDI) / Termite Inspection
The Scope: Detecting termites, carpenter ants, and other “silent destroyers.”
The Maryland Twist: In our humid climate, WDIs are common — often found even in newer homes.
The Catch: You can technically waive the contingency, but most VA and FHA lenders require a clear report before funding the loan.
What You Can (and Can’t) Waive in Maryland
In a competitive market, it’s critical to know which inspections offer flexibility and which are non‑negotiable.
Inspection Type Can You Waive It?The Risk / Reality General HomeYesHigh risk; you inherit all hidden defects.RadonYesHealth hazard; mitigation costs around $1,200–$2,500.Lead PaintYesFederal law requires disclosure, but you can skip testing.Termite (WDI)NoAlmost always required by lenders (FHA, VA, or conventional).Well & SepticSometimesOften required by lenders or county health departments.
The Middle‑Ground Strategy
Want to stay competitive without being reckless? Consider requesting an “Informational Only” Inspection. You still inspect the home, but you agree not to ask for repairs. If major issues appear — like a crumbling foundation — you can back out before settlement.
Why Local Expertise Matters
Navigating Maryland real estate isn’t just about having a license — it’s about having local insight and relationships that protect your clients.
Adam Chubbuck has built a reputation across Anne Arundel County as a negotiator who knows exactly which contingencies to keep and which to leverage for a winning offer.
Why clients choose Adam:
- Deep Local Network: Access to Maryland’s most thorough, licensed home inspectors.
- Strategic Offers: Crafting “as‑is” contracts that still protect your earnest money.
- Neighborhood Knowledge: Insight into local issues like aging Orangeburg pipes in Severn or high water tables in Glen Burnie.
Ready to Make an Informed Move?
Don’t let the fear of losing a bidding war lead to a $20,000 mistake. Whether you’re buying your first home or selling an investment property, get the expert guidance you deserve.
Every offer is a strategy — let’s build one that protects your investment.
Call/Text: 443‑347‑6692
Website: TACMD.com
Serving Severna Park, Severn, Glen Burnie, and all of Anne Arundel County.
