What Are Pest Inspections?

​A pest inspection, also known as a termite inspection or a wood-destroying organism (WDI) inspection, is a specialized assessment of a property to determine the presence of pests, primarily termites and other wood-destroying organisms. It is commonly conducted as part of the due diligence process when buying or selling a property, particularly in regions where termites are prevalent.

How We Perform Pest Inspections

Training & Licensure

All of our inspectors receive extensive training and licensure through the Ohio and Michigan Department of Agriculture for WDI Inspections.

On-Site Evaluation

Our inspectors conduct a comprehensive visual assessment of the readily accessible areas during the inspection process.

NPMA-33 Reports

The NPMA-33 form includes details about any visible evidence of pest activity, such as termite damage, live insects, or previous treatments.

Follow Up

As always with our company, we are here to assist our clients with any questions they may have.

Different Types Of Wood Destroying Organisms

Termites

The most significant wood-destroying pest in the Midwest is the subterranean termite. These termites live underground and build mud tubes to access wooden structures. They can cause extensive damage to wood, including structural components of buildings.

Powderpost Beetles

These beetles lay their eggs in cracks and crevices of wood, and their larvae tunnel through the wood, causing damage. They are known for leaving behind fine powder-like frass (excrement).

Carpenter Ants

Another common wood-destroying pest in the Midwest. While they do not eat wood like termites, they excavate galleries in wood to create their nests. Over time, this can weaken the structural integrity of the wood.

Carpenter Bees

Large, solitary bees that bore into wood to create nests. While they do not cause extensive damage like termites or carpenter ants, repeated infestations over time can weaken wood structures.

Mortgage Requirements 

​The requirement for a pest inspection in mortgage loans can vary depending on the type of loan, the lender's policies, and local regulations. However, there are a few loan programs where a pest inspection is commonly required:

1. VA (Veterans Affairs) Loans: For VA loans, a pest inspection is generally required by the Department of Veterans Affairs. The purpose is to ensure that the property being financed is free from active termite infestations or other significant pest issues.​
2. FHA (Federal Housing Administration) Loans: FHA loans may require a pest inspection if the appraiser notices any evidence of wood-destroying pests or if the local jurisdiction requires it. The specific requirements can vary based on the appraiser's judgment and the property's location.
3. Conventional Loans: Pest inspections are not typically required for conventional loans. However, if the appraiser identifies any signs of wood-destroying pests or damage during the appraisal process, the lender may request a pest inspection to assess the extent of the issue and determine if remediation is necessary.

It's important to note that even if a pest inspection is not explicitly required by the loan program, lenders may still recommend or request one as part of their due diligence process. Additionally, local regulations or specific property conditions may influence the need for a pest inspection. Borrowers should consult with their lender or loan officer to understand the specific requirements for their loan application.