Pest inspection

A specialized inspection looking for termites, carpenter ants, and other wood-destroying pests. Required for VA loans and common everywhere else.

Also called termite inspection · Inspections & appraisals · Updated September 2026

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Part 1 of 4

Why a seller cares

A termite inspection is routine, and VA loans ask for one. A clean report is one line; a finding turns into a treatment, a repair, and a form the lender wants signed before closing.

Part 2 of 4

A simple example

The pest inspector finds old termite damage in a basement joist and no live activity. The buyer's VA lender asks for a treatment certificate anyway.

Pest inspection: a simple example
What the inspector findsWhat tends to follow
No activity, no damageA clear report and nothing more
Old damage, no activityOften a repair of the damaged wood, and sometimes a treatment for the lender's file
Live termitesTreatment before closing, usually paid by the seller

The pest report is short, and a finding on it is usually the seller's to fix.

Part 3 of 4

What people get wrong

That a termite finding is rare in a house that has never had a problem. Old damage from a long-gone colony is the most common finding of all.

Part 4 of 4 · where to read next

Where it appears in the sale

What a definition is, and what it isn't

Keighbor is a software company, not a law firm, brokerage, or tax adviser. This is general information, not legal, tax, financial, or real estate advice about your sale. Your situation may differ. Before acting on a contract, disclosure, title, tax, or pricing question, ask an appropriately licensed professional in your state.

Written and researched by Keighbor Research · drawn from the reference glossary · how we research and check what we publish

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