If you're planning to refinance your home, your lender will probably require a Wood Destroying Insect Report or a WDIR. This is an official document that requires an inspection by a trained and licensed pest control professional.
The inspection determines if there has been a previous infestation, a current infestation and if conditions that attract wood destroying insects exist in the home. Here's some more information about what the inspection for the WDIR entails.
Your Entire Home Is Inspected
Your home will be inspected from the roof to the foundation. The inspector examines the attic and also goes into the crawlspace if you have one. Every room in your home is inspected as well.
In addition, anything that is made of wood and attached to your home is checked for signs of pests including a deck, carport or utility room. Areas that can't be seen such as flooring under carpet and wood behind walls are also mentioned on the report form. A shed or outbuilding that does not contact your home doesn't have to be examined.
Signs of Insect Activity Are Noted
If wood damaging insects are currently present in your home, the inspector may see the bugs, their discarded wings or some of their dead bodies. Droppings may also be noted along with the presence of mud tubes in the case of termites.
The inspector may even find small piles of sawdust in areas where the bugs are actively working on the wood. Some signs of previous activity include damaged wood that sounds hollow or is partially eaten away.
Factors That Attract Wood Destroying Insects Are Listed
The inspector also looks for moisture around your home because dampness and moisture attract a variety of bugs. Water leaks are noted as well as improper drainage around the foundation. The crawlspace is examined for signs of excess humidity and water damage.
The attic is inspected for signs of roof leaks. The foundation is checked for cracks and gaps since the bugs only need a tiny crack to enter the house. The lot is also inspected for proper grading that allows water to flow away from the home.
Also, stumps near the house and other sources of wood are inspected and noted. Of particular concern is a wood fence, deck or lattice panel that touches the house and the soil, especially if it isn't made from pressure treated wood or treated to repel insects.
Arrangements for Pest Removal May Be Made
The purpose of the inspection is to create a report for your lender, and not necessarily to get rid of an active infestation. However, if wood destroying insects are currently found in the home, the lender will usually require that the home is treated before the loan is approved.
The inspector can recommend the best type of treatment for removing the type of pest you have and once the insecticide has been applied, the paperwork is attached to the WDIR for proof the home has been treated.
If there is currently an infestation of wood destroying insects, it is automatically assumed there is some degree of damage to your home. However, the pest inspector doesn't provide structural inspections.
When infestations, water damage, or improper grading are noted, you may need to follow up with a building inspector to assess the degree of damage to the structure of your home.
If your home is older, there is probably some damage since wood destroying insects are so common. Finding signs of previous infestations is not necessarily devastating news as long as the infestations were treated and your home is still in good shape or can be easily repaired.
If you need to have a WDIR for a refinancing loan, the experienced professionals at Canady & Son Exterminating, Inc. are ready to provide you with a thorough inspection of your home.