How long before closing can you have a WDO (termite) inspection done?
Thursday, June 14, 2018
Usually 30 Days Max
Most of the lending institutions we know of that require a “clean” WDO inspection at closing also require that it be less than 30 days old. However, some accept them for 60 or even 90 days after the inspection date. It depends on the lender. A clean WDO means that no live organisms, evidence of them, or damage from them was found.
WDO Inspections Include Wood Rot
Although a Wood Destroying Organism report is commonly called a “termite inspection,” the inspector is also required to search for, and report on, any evidence of wood-decay fungi (wood rot) and several species of wood-destroying beetles. Each state-mandated form is slightly different, but the circled area of the first page of the Florida form (shown above) that states “No visible signs” is an example of what you want to see on a report that is acceptable to the lender.
All VA loans for homes in areas on the TIP Zone Map (Termite Infestation Probability, shown below) labeled “Very Heavy” and “Moderate To Heavy” probability of termite infestation will require WDO report. Sometimes FHA and USDA do also. Florida is in the “Very Heavy” area.
A particular lender may request a WDO report, but most do not. If an appraiser sees evidence of termite damage or infestation during the appraisal, a WDO may be requested as a follow-up.
To lean about the history of the TIP Zone Map, see our blog post What is a TIP Zone Map?. Also, see our blog post Is the WDO (termite) inspector allowed to poke holes in my wood siding and trim?
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To learn more about termites, see these other blog posts:
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