Wood Destroying Insect (WDI) / Termite Inspections in Northern Illinois
Wood destroying insect (WDI) inspections are often required during real estate transactions — especially when financing is involved. Many lenders require documentation confirming whether visible evidence of termites or other wood destroying insects is present.
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ALLIN Home Inspections provides WDI inspections as an add-on service when scheduled with a home inspection or mold inspection in Illinois.
When Is a WDI Inspection Required?
WDI inspections are commonly required for:
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• FHA and VA loans
• Some conventional loans
• Investment properties
• Homes with prior termite history
• Transactions requested by attorneys or lenders
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A WDI inspection helps identify visible evidence of:
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• Termites
• Carpenter ants
• Powder post beetles
• Carpenter bees
• Other wood-destroying insects
What a WDI Inspection Includes
A WDI inspection is a visual evaluation of accessible areas of the home for signs of:
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• Active infestation
• Previous infestation
• Wood damage
• Conditions conducive to infestation (moisture, wood-to-soil contact, etc.)
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This inspection is limited to visible and accessible areas and does not include destructive testing.
Important Limitations
WDI inspections:
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• Do not include structural engineering evaluation
• Do not guarantee the absence of insects
• Do not include invasive probing
• Are not performed as a stand-alone service
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WDI inspections through ALLIN Home Inspections are available only when scheduled with a home inspection or mold inspection.
Why Combine WDI With a Home Inspection?
Combining services allows buyers to:
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• Satisfy lender requirements
• Identify moisture conditions that attract termites
• Document visible damage before closing
• Address concerns during negotiation
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Because wood-destroying insects are often linked to moisture intrusion, combining services provides a more complete property evaluation.
Scheduling
WDI inspections are available as an add-on service during your home inspection.
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Additional fees apply.
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Frequently Asked Questions About WDI Inspections
Are WDI inspections required for all loans?
No. Requirements vary by lender and loan type. FHA and VA loans commonly require them.
Can I schedule a WDI inspection by itself?
Many licensed pest control companies offer stand-alone termite or WDI inspections.
ALLIN Home Inspections provides WDI inspections only as an add-on to a home inspection or mold inspection.
Does a WDI inspection guarantee there are no termites?
No. It is a visual inspection of accessible areas at the time of the inspection.