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Termite Registry

Termite inspections

A termite inspection is a licensed operator's written record of what they found in a structure — live termites, old damage, past treatment, or nothing. Everything here is about that side of the subject: the report itself, the termite letter your lender or buyer wants, who pays for it, and what your state actually requires.

I read the state rules and the federal program documents these requirements come from, and I quote them. Where what you have been told does not match what the documents say, that is usually the most useful part of the page.

The guides

  • A termite inspection in Florida is not required by state law to sell a house. However, when a licensed company performs one for a sale, state law requires the findings on the official FDACS Form…

    7 min read
  • An FHA loan does not require a termite inspection on every home. On an existing home, an inspection becomes required when the appraiser sees evidence of infestation, or is told of one or of a prior…

    8 min read
  • A termite letter is a written report from a licensed inspector detailing whether a building shows visible evidence of wood-destroying insects on the date of inspection.

    8 min read
  • Negotiating termite damage usually comes down to choosing between a price credit or seller treatment before closing. Your strongest ask is usually for the seller's treatment contract and past pest…

    8 min read
  • A termite letter is a written report from a licensed pest control company stating whether wood-destroying insects or their visible evidence were present at a house on the day of inspection.

    7 min read
  • Form NPMA-33 is the two-page wood destroying insect report your lender asked for, and it records what one inspector could see in the parts of your house they could physically get to, on one day.

    9 min read
  • A termite inspection in a house purchase is a visual examination of the parts of a building one licensed inspector could reach on one day, written up on a form your lender reads.

    11 min read
  • Termite letter requirements come down to one question: which form does your state require? Some states mandate an official form of their own and accept no substitute.

    10 min read
  • Form NPMA-33 is the wood destroying insect report your lender asked for, the WDI report on your paperwork, and it records the visible evidence one inspector could reach on one day.

    10 min read
  • A wood-destroying insect (WDI) inspection determines whether a home has active termites or past damage before a property transfer closes.

    6 min read

More is on the way — this is the part of the site I am building first, because it is where a wrong answer costs real money at a deadline.