# Water Sample and Water Flow Tests > Well water testing for rural home buyers: a water sample and a water flow test, often asked for by lenders before closing. Call Jim Ward for pricing. Canonical: https://chi.canadianwebmaster.ca/services/well-water-testing Last updated: 2026-11-10 Jim lists two water services, a water sample and a water flow test. Call for pricing, and to talk through what each covers and what your lender needs. ## At a glance - **Water sample**: One of the two water services Jim lists. Call to talk through what it covers. - **Water flow**: The second water service Jim lists. Call for pricing and details. - **Often a lender’s condition**: Many lenders and insurers want quality and quantity results before closing. - **Pairs with your inspection**: Ask about booking the water tests alongside your home inspection. **Well water testing** is part of buying a lot of houses in this corner of Ontario. Away from the town water systems in Norfolk, Haldimand, Oxford, Elgin, Brant and Middlesex, many homes draw from a private well, and nobody but the owner is checking that water. Complete Home Inspections lists two water services alongside its inspections: a water sample and a water flow test. ## What Jim offers - **Water sample:** call for pricing. - **Water flow:** call for pricing. Jim hasn’t published the details of how each test is done or where samples are sent, so call him at 519-550-4998 to talk through what the test covers, what you’ll get back, and whether it meets what your lender or insurer has asked for. ## Why lenders and insurers ask When a house runs on a private well, many mortgage lenders want two things before they release funds: proof the water is safe to drink, and proof there’s enough of it. The first is usually a bacteria test, often called a potability test. The second is a flow or quantity test. Some home insurers ask the same questions, and buyers’ lawyers commonly write water conditions into the offer so there’s time to get results before the deal firms up. Requirements vary from lender to lender, so ask yours early exactly what they need, in writing if you can. It’s far easier to book the right test the first time than to repeat it in the last days before closing. ## Bacteria testing in Ontario Ontario’s public health laboratories test private well water for bacteria free of charge. The test looks for E. coli and total coliforms, the standard indicators that surface water or sewage may be reaching the well. Sample bottles are picked up from and returned to local public health unit offices, and the sample needs to get to the lab quickly, so check the drop-off days before you collect one. Our guide to [buying a rural home with a well and septic](https://chi.canadianwebmaster.ca/guides/buying-a-rural-home-well-and-septic) walks through the whole process. Keep in mind that a bacteria result is a snapshot. It tells you about the water on the day the sample was taken. Heavy rain, spring melt or a damaged well cap can change things quickly, which is why public health guidance in Ontario encourages well owners to test regularly, several times a year, rather than once at purchase. ## What a bacteria test doesn’t tell you The free test is about microbes only. It says nothing about chemistry, such as nitrates, sodium, hardness, iron or naturally occurring metals. Chemical testing is a separate test done by accredited private labs, usually for a fee. If the house is near farm fields, has an older dug well, or the water smells, stains fixtures or tastes off, it’s worth considering. Ask your lawyer or lender whether they expect it. ## What a flow test is for A flow test answers a practical question: will this well keep up with a household? In general, a flow test runs water from the well for a period and measures how much it delivers, commonly expressed in gallons or litres per minute, and whether the rate holds or drops off as the water level falls. A shallow dug well and a deep drilled well can behave very differently, and late summer is often when a weak well shows itself. A flow result, like a bacteria result, describes the well on the day. It’s a good basis for a decision, not a promise about next August. If the seller has records for the well, ask for them. Ontario’s environment ministry also keeps well records for many drilled wells, which can add some history. ## Septic is a separate job Many homes on a well also have a septic system. Inspecting a septic system is a different job from a water test, and it isn’t one of the services Jim lists, so ask him whether he covers it or book a septic specialist. The rural buying guide explains what’s involved. ## Booking water tests with your inspection Rural buyers usually want the water results and the [home inspection](https://chi.canadianwebmaster.ca/services/home-inspection) in the same conditional window, so ask Jim about booking them together. Call 519-550-4998, email chi-1@bell.net, or [send the property details through the quote form](https://chi.canadianwebmaster.ca/quote). Jim is available 7 days a week across six counties, including [Norfolk County](https://chi.canadianwebmaster.ca/areas/norfolk-county) and [Haldimand](https://chi.canadianwebmaster.ca/areas/haldimand). ## Typical prices CAD · HST included where shown | Item | Price | Note | | --- | --- | --- | | Water sample | Call for pricing | | | Water flow | Call for pricing | | Complete Home Inspections’ own published price list shows both water services as call for pricing. ## Questions people ask ### Is well water testing free in Ontario? Bacteria testing of private well water (E. coli and total coliforms) is free through Ontario’s public health laboratories, with bottles from your local public health unit. Chemistry tests are usually paid, at private labs. ### What will my mortgage lender want? Many lenders ask for a bacteria (potability) result and a flow or quantity result for a private well before closing. Requirements vary, so ask your lender exactly what they need. ### What does Jim’s water sample test cover? The details aren’t published, so call Jim at 519-550-4998 to talk through what the test covers and whether it meets your lender’s request. ### Is one clean bacteria test enough? It’s a snapshot of the day the sample was taken. Conditions can change after heavy rain or spring melt, so plan to keep testing after you move in. ### Does Jim inspect septic systems? Septic inspection isn’t one of the services Jim lists. Ask him whether he covers it, or book a septic specialist. ## Related - [Buying a House With a Well and Septic in Ontario](https://chi.canadianwebmaster.ca/guides/buying-a-rural-home-well-and-septic) - [Home Inspection](https://chi.canadianwebmaster.ca/services/home-inspection) - [Home Inspection in Norfolk County](https://chi.canadianwebmaster.ca/areas/norfolk-county) - [Home Inspection in Haldimand County](https://chi.canadianwebmaster.ca/areas/haldimand)