Quick Answer
This inspection looks specifically for termites, carpenter ants, and other wood-destroying pests, along with visible damage they've caused. It's a separate report from a general home inspection, and some loan types require it before closing.
- Also called
- Termite report, WDI report
- Required for
- VA loans in most cases; often FHA
- Who typically pays
- Varies by contract; often negotiated
- What it covers
- Termites, carpenter ants, and existing wood damage
Why This Inspection Exists
Wood-destroying insects can cause serious structural damage long before it's visible from a walkthrough. A licensed inspector examines the foundation, crawl space, exterior wood, and other vulnerable areas for active infestation or past damage.
Central Indiana's humid summers and older housing stock in some neighborhoods make this a routine check rather than a rare one, even on well-maintained homes.
VA Loans and Other Requirements
VA-backed loans generally require a clear wood-destroying insect report before closing, and in Indiana the seller is typically expected to cover this cost on VA transactions. FHA and other loan types don't always require it outright, but a lender may call for one if the appraiser flags a concern.
If the report finds active infestation or damage, the seller usually needs to treat the issue and, in some cases, repair the damage before the loan can move forward.
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Frequently Asked Questions — Wood-Destroying Insect Inspection
Do I need this inspection with a conventional loan?
It's not automatically required the way it is on VA loans, but many buyers order one anyway as part of their due diligence, especially in older homes.
What happens if termites are found?
The home typically needs to be treated by a licensed pest control company, and any structural damage may need repair before closing on certain loan types.
Who pays for the inspection?
It's negotiable and spelled out in the purchase agreement, though sellers often cover it on VA transactions.
Is this the same as a general pest inspection?
It's narrower. A wood-destroying insect report focuses on termites and similar pests and their damage, not general pest concerns like rodents.