How To Look At A House
McGarry and Madsen's home inspection blog for buyers of
site-built, mobile/manufactured and modular homes
Do I need a termite inspection if the seller has a termite bond?
Monday, May 11, 2020
A termite inspection is actually called a Wood Destroying Organism (WDO) inspection, and it covers four types of organisms that eat the wood in a home: subterranean termites, drywood termites, several species of beetles, and wood decay fungi (wood rot). Unfortunately, most termite bonds only insure against subterranean termites, although some bonds also add drywood termites at an additional cost. At best, that’s only two out of four.
Plus, many termite bonds only provide treatment to kill any termites found while the bond is in force; but, again, a bond that includes repairing the damage costs more. Then add to that the fact that some bonds exclude Formosan termites, a particularly aggressive type of subterranean termite.
Oh, and not all termite bonds are transferable to a new owner. So a termite bond is a good thing to have, but does not provide assurance of the absence of all the critters that could be munching on the wood in your next home. That’s why FHA and VA mortgages require a WDO inspection in areas where termites are prevalent, and you should too.
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To learn more about termites, see these other blog posts:
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