Nearly 30% of homes in Massachusetts are dependent upon Septic Systems, rather than municipal sewer systems. Sudbury, Wayland, Dover, Hopkinton, and many towns down the Cape are serviced by private septic systems.
Septic systems are governed by what’s commonly known as “Title V” or “Title 5” which is Title V of the state Environmental Code administered by the Massachusetts Department of Environmental Protection (DEP). These complex regulations administer the design, construction and operation of septic systems, and are of great importance to homeowners, real estate developers, lenders, Realtors, and attorneys. The rules affect as many as 650,000 Massachusetts homeowners with on-site subsurface sewage disposal systems.
Frequently Asked Questions About Title V
I am selling my home. What is the first thing I must do with my septic system?
The first thing that must be done is to have a Title V inspection, completed by an inspector who is licensed by the state and your town. A list of licensed inspectors is available at your local Board of Health office. Here is a Board of Health roster for Massachusetts. The BOH must be notified 24 hours in advance to any inspection, so that the Health Agent may attend the inspection, if his schedule allows. Any inspection completed without prior notification is not accepted and considered invalid.
According to Sudbury, Mass. Realtor Gabrielle Daniels Brennan, unless you have a very recently installed system, do not hire a company who also repairs and replaces the systems to conduct your Title V inspection. They only pump systems and inspect, and have no interest in anything else.
The inspector will determine whether your system “passes,” “fails” or “conditionally passes” (i.e., requires repairs).
How long is the Title V inspection valid?
A Title V inspection is considered valid for 2 years. However, if the homeowner has his septic system pumped every year, it is valid for 3 years.
If the inspection fails, your septic system must be repaired or replaced. If ownership of the house is not being changed, the homeowner may have up to two years to complete the repair. However, if the Health Agent deems the failure to be a health hazard, the homeowner can be required to begin the process of repairing it immediately.
Failed septic systems can be handled in a real estate sales transaction in two ways. First, the seller can undertake the work and complete it prior to closing, with a full sign off from the Board of Health. This is often the preferable course for all parties and the lender. Alternatively, the parties can agree to an escrow holdback to cover the cost of the septic repair plus a contingency reserve, and the work is undertaken after the closing. Some lenders don’t allow septic holdbacks, however.
What are the steps and permitting fees to install a new septic system?
The first step in beginning a septic repair is to hire an engineer to evaluate your land and to design a system that would be appropriate for your property. Once the engineer is hired, a percolation or “perc” test is scheduled. The perc test measures the rate at which water is absorbed into the ground and determines whether the soil is suitable for a septic system. Based on the results of the perc test, the size of your lot, and the number of bedrooms in your home, the engineer designs a septic system to serve the property. Once the plans have been drawn, four copies of the plans, two copies of the soil analysis, and a check for $175.00 must be submitted to the Board of Health office. The BOH has 45 days to review the plans and to either approve or reject them. If the plans are approved, the plans can be picked up and the installation of the system can begin. If the plans are rejected, the plans must be revised and an additional fee of $75.00 is charged to have them reviewed again. If the designed system requires state variances (done by the Department of Environmental Protection), an additional 90 days must be allotted for the review process.
When the job is completed is there any form of certification that it has been done and that it meets Title V standards?
At the completion of the job, (that is, when all work has been done according to the plans; when the engineer has submitted an “as-built” plan as to where the system was installed; and when the installer has submitted a certification statement), the Health Agent signs a Certificate of Compliance, (COC), which is issued to the installer. Upon payment for the work, the installer gives the COC to the homeowner.
How long does the process for repairing a septic system take, from beginning to end?
A homeowner should allow approximately 3 to 4 months for the installation of a septic system. The length of time can vary from system to system. There are a number of variables involved. The availability of the Health Agent to witness a “perc “ test is one. Because of the amount of work that has to be completed, engineers and installers are often busy for months in advance. In addition, if the designed system requires either local or state variances, time must be allotted for public / variance hearings. A system that is installed in less than 2 months (from start to finish) is the exception to the rule.
What is an average cost for the system?
New septic systems can range from $25,000 to $40,000. The type of system designed, the size of the lot, the number of bedrooms, the engineering fees, the requested variances, the type of soil, and the proximity of the system to water, all contribute to the cost of the system.
If I am required to replace my failed system and I do not have the money, what do I do?
Homeowners who cannot afford to repair their failed septic systems made apply for financial aid with the Massachusetts Home Septic Loan Program. Here is the MassHousing Web site. Here is the PDF for the Homeowner Septic Loan Repair program. Applications for this program are available at most local banking institutions. The loans are low interest and repayable over an extended period of time.
The state also provides a tax credit of up to $6,000 over 4 years to defray the cost of septic repairs to a primary residence. Forms are available from the Department of Revenue (DOR) to allow homeowners to claim up to $6,000 in tax credits for septic upgrades. The credit cannot exceed $1,500 in any year and may be spread out over 4 years. The tax credit is limited to work done on a primary residence only. Tax Form Schedule SC is the correct form for the tax credits. MassDOR Web site
I have a cesspool. Will that pass Title V?
You may be wondering how this all applies to cesspools. Cesspools are much harder to pass in Massachusetts. Does every single one automatically fail? No.
Only those cesspools that exhibit signs of hydraulic failure, are located very close to private or public water supplies, or otherwise do not protect or pose a threat to the public health, safety or the environment will need to be upgraded. Also, cesspools must be upgraded prior to an increase in design flow (e.g., the addition of a bedroom to a home.
For any questions concerning Title V and the septic rules and regulations, please contact me at firstname.lastname@example.org.