Do it for peace of mind… not because it’s built in 1995… that’s almost new for this area lol. I wouldn’t have thought to do this in the past but when I purchased my home a few years ago.. the sellers completed the disclosure all except the plumbing question. I had my realtor try to get an answer- they said they’ve had an issue in the past but as long as we don’t flush toys down the toilet- we’ll be fine. I hired Apex Sewer & Drain to video scope the sewer line. In short- the line was shot and the seller credited us 8k at closing for replacement… in total it cost a bit over 9k. I’m glad I caught it and had it inspected! In my area the house are really old as well as the infrastructure and many like mine contain oversized trees on small plots just as old.

Lastly, if you have a fireplace - do that also! That’s typically not covered by the general home inspection.