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Well & septic inspections

We're going through underwriting for a mortgage and they've asked for a well and septic inspection. The seller had provided us their inspection reports, but they're from 9 months ago and the underwriter has asked for something more recent. We're obviously going to do it and I get why they want something more recent that the seller's reports, but it just seems like another hoop.

Is this just one more "cross this off the list" item that we're paying for? I know we're going to have to do it, but it feels to me like it's another ask for something to check a box than the type of diligence they're doing with finances. In a state where inspectors aren't certified and there isn't a standard report or process, how would they verify the inspection is done and done right? Do they actually call the inspectors, or is it more of "okay, we got the report" and they move on?

submitted by /u/soundedfurygjy
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source https://www.reddit.com/r/RealEstate/comments/uy74vd/well_septic_inspections/
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