WDO Inspection
What a wood-destroying organism inspection is and why some loans require it.
Quick answer
A WDO inspection looks for visible evidence of wood-destroying organisms such as termites, certain beetles and wood-decaying fungi. VA transactions in Florida commonly require the report, and treatment or repair may be needed depending on findings and lender requirements.
What buyers should do
- Get the applicable requirement or cost in writing.
- Compare the information against your contract and loan documents.
- Ask questions before a deadline expires.
- Keep copies of estimates, reports and written responses.
Why property-specific advice matters
Loan programs, insurers, properties and contracts are not identical. Online information is useful for preparation, but a real transaction should be reviewed using the current documents and facts.
Need help applying this to a specific home?
Send the property address and where you are in the process.