Although generically called a Termite Inspection, the inspection should check for any wood destroying insects such as termites, carpenter ants, carpenter bees and powder post beetles.
The results of the inspection can yield different results:
- No evidence of Wood Destroying Insects
- Active Wood Destroying Insects were found
- Active Wood Destroying Insects were found plus damage was observed
- No Active Wood Destroying Insects were found but damage was found from a prior problem
The first option is ideal for both the home buyer and seller plus the mortgage company. No Wood Destroying Insects were found.
The other 3 situations can cause a problem.
I don't know of any Lehigh Valley Home Buyer that wouldn't expect or ask the seller to treat the home if evidence of Active Wood Destroying Insects is discovered.
If damage is discovered and notated this can cause a major problem with getting a mortgage. How much damage was done? Is there a structural problem with the house?
Certain types of Mortgages (FHA, VA, USDA) may require a copy of the Termite Inspection. The mortgage company may require proof that the Active WDI has been addressed and if there is any damage they may also require a Cert from a Structural Engineer stating there is no structural damage to the house.
A Lehigh Valley Home Buyer or Seller may get backed into a corner to prove the problem has been addressed and there is no major damage or provide proof the seller is going to do any required repairs before the closing.
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