Wood-destroying organism (WDO) inspection

More commonly called a termite inspection, a wood-destroying organism inspection ensures your future home doesn't already have six-legged tenants. Termites, wood-boring beetles, and carpenter ants are among the most concerning culprits, though WDO inspectors will also look for dry rot caused by fungi. Many states require a WDO inspection to close on a home; even outside those states, cities or counties may demand one. If you're using a VA loan or FHA loan, a WDO inspection may be required regardless of location. During a WDO inspection, the inspector will look for signs of active infestation (shed termite wings), signs of past infestation (softwood), and potential trouble spots (crevices or gaps that could let in pests). You'll get a report with detailed findings, as well as suggestions for addressing any issues that come up. Termite inspection costs vary, generally around $100-$250.

Home inspectors typically conduct a visual inspection of all parts of the property that are readily accessible. That leaves out anything that's not easily viewed (or even visible), like some types of pest infestation, as well as any areas that are hard to safely reach (think wells and chimney interiors).

 

Parts of the home that are commonly included in a home inspection:

A Wind Mitigation Inspection is performed to determine the ability of a home to withstand damage due to high winds and flying debris. Wind mitigation inspectors assess risk factors, including the home’s location, and then evaluate certain construction features that have been shown to reduce losses in hurricanes. These features include reinforced concrete walls, a hip roof, impact-resistant doors and windows, a wind-rated garage door, gable end roof reinforcement, roof decking and roof-to-wall attachments, storm shutters, and a secondary water-resistant barrier. These wind-resistant construction features are compiled in a Florida Standardized Insurance Form (1802 Report) along with supporting documentation which is submitted to your insurance company for the purpose of reducing your homeowner’s insurance premium.

 

A 4 Point Inspection is used for the insurance company prior to issuing a new policy or when renewing an existing policy on homes that are 30 years old or more. This type of home inspection focuses on only the roof, electrical, plumbing, and HVAC systems. It covers far less in scope than a standard home inspection. The home inspector will complete the inspection and submit a standardized report, along with any required documentation, to your insurance company.