Specialized diagnostics · D-09
Mandatory for many VA and FHA loans. We visually inspect the readily accessible structure for evidence of active or past infestations of termites, carpenter ants, and other wood-destroying insects, providing the WDI documentation your lender requires, coordinated with licensed specialty partners where state rules apply.
Overview
Wood-destroying insects can cause serious structural damage long before it becomes visible. Many lenders, including VA and FHA, require a WDI inspection before closing.
We inspect accessible areas of the structure for evidence of activity, past damage and conditions that attract insects, and coordinate the lender WDI form with a licensed specialty partner where required.
See what a Caliber report looks likeScope
Termites, carpenter ants, carpenter bees and wood-boring beetles
Form
Visual WDI inspection with lender-ready documentation
Best for
VA, FHA and conventional loan closings
Deliverable
Completed lender form with photos
Pairs with
Pre-purchase home inspection
Why this evaluation matters
Subterranean termites and wood-destroying insects cause over $5 billion in structural property damage annually across the U.S.—none of which is covered by standard homeowners insurance. Because termites hollow out wooden sill plates, floor joists, and rim joists from the inside out while leaving a thin outer layer of wood or paint intact, severe structural damage frequently goes unnoticed by casual homebuyers.
A WDI evaluation is a specialized, non-invasive visual examination and probing of readily accessible structural wood framing, foundations, basements, crawlspaces, and exterior perimeters for visible live insects, mud shelter tubes, exit holes, frass, or wood decay. While no inspector can see inside closed wall cavities or beneath finished flooring, a WDI inspection identifies accessible warning signs and wood-to-soil conducive conditions early.
Scope
Evidence of activity, damage and conducive conditions.
Live insects, mud tubes and fresh frass.
Galleries, hollowed wood and previous treatment evidence.
Wood-to-soil contact, moisture and debris near the structure.
Sill plates, joists and foundation areas.
Foundation perimeter, decks, porches and trim.
WDI documentation for your lender.
Lender-ready
The completed form goes to you and your lender, with photos of any findings.
Lender WDI documentation
Photos of any findings
Conducive conditions noted
Delivered in time for closing
VA and FHA loans often do, and some conventional lenders too. Your loan officer can confirm.
The report documents it, and you can arrange treatment by a licensed pest control company before closing.
Keep exploring
Roof to foundation, with findings ranked for negotiation.
Learn more DiagnosticCamera inspection of the main line for roots, breaks and bellies.
Learn more DiagnosticInfrared surface scans for signs of moisture, insulation gaps and hot electrical.
Learn moreLive availability, instant pricing and confirmation in under two minutes.
