Should I get a termite inspection?

Two separate services

A general home inspector evaluates visible and accessible systems and components. A wood-destroying insect (WDI) inspection, commonly called a termite inspection, is a separate evaluation performed by a licensed pest inspector. The two have different scopes, and a general inspector is not always qualified or contracted to provide a pest-specific report.

When a termite inspection may be appropriate

Consider it if:

• Your lender requires one: certain loan types include WDI inspection requirements. Check with your lender if you're unsure.
• The general inspection reveals evidence: if the inspector notes signs that may suggest insect activity or related damage, a specialist evaluation is worth pursuing.
• The property has relevant characteristics: crawl spaces, wood-to-soil contact, older construction, and certain exterior conditions can affect exposure.
• It's standard practice in the local market: in some markets, WDI inspections are routinely requested as part of the transaction. Your agent can tell you what's typical for the area.

Regional context

Buyers in Alabama and Tennessee are purchasing in a climate where wood-destroying insects are a reasonable consideration for many properties. The presence or absence of risk varies by property and location. A termite inspection is not automatically required in every transaction.

What it involves

A licensed pest inspector examines accessible areas of the structure for evidence of wood-destroying insects, damage, and conducive conditions. They document findings in a report, sometimes called a clearance letter or WDI report.

Talk to your agent about whether a termite inspection makes sense for the specific property you're purchasing.