I am not clear on whether you are buying a bank owned property or whether the property you are buying is just vacant and the water was turned off. If it's bank owned, then the bank's agent will have to get the property de-winterized and then have it winterized again after the inspection and the bank may have you, the buyer pay for that. That's just how it works when you purchase a bank-owned property. If the property is privately owned, the seller should pay for the water and electricity to be turned on so that the inspector can conduct a meaningful inspection. I hope this helps.