When obtaining a mortgage or a mortgage guarantee to finance the purchase of a home, you most likely will be required to obtain a WDI inspection by the bank, the mortgage company, or the guarantor (FHA, VA, HUD, etc.).
Although commonly referred to as a “termite inspection,” WDI stands for “wood-destroying insect,” and a proper WDI inspection looks for evidence of infestation by termites, carpenter ants, wood-devouring beetles, and carpenter bees, as well as evidence of past infestations, damage to wood, or conditions conducive to infestation. (The term WDO, for “wood-destroying organism,” is also sometimes used.)
By law, an inspection for wood-destroying insects and their evidence is the careful visual examination of all accessible areas of a building and the sounding of accessible structural members adjacent to slab areas in contact with masonry walls and other areas particularly susceptible to attack by wood-destroying insects. Evidence includes both present and past activity of wood-destroying insects visible in, on or under a structure, or in or on debris under the structure. Permanently attached decks, porches, storage sheds, etc. are included in these inspections. Outbuildings or other detached structures are not routinely inspected unless specifically requested by the client.
In order for the inspection to be completed correctly, the pest control operator (PCO) must have access to all interior and exterior areas of the structure to be inspected. Paragraphs I through 4 of the "Conditions Governing This Report" on the reverse side of the form, will discuss the extent of the inspection performed. Be familiar with these conditions. The PCO must indicate areas of the structure that were inaccessible at the time of his inspection. Obviously inaccessible areas, such as inside walls, beneath carpet or other floor coverings, etc., will not be listed separately. An inspection of inaccessible areas may necessitate the removal of walls and to provide access, which an additional fee may be charged.