Wood-destroying insects (WDI) are among the most financially damaging threats a homeowner can face. Termites alone cause an estimated $5 billion in property damage across the US every year, and most of it isn't covered by homeowner's insurance. In Pennsylvania, the risk is real and worth taking seriously before you buy.
The Common Culprits in Pennsylvania
The three main wood-destroying insects found in PA, NY, and NJ are:
- Eastern Subterranean Termites: the most common and destructive. They live underground and enter through wood-to-soil contact or cracks in the foundation.
- Carpenter Ants: don't eat wood, but excavate it to build nests. Often a sign of moisture damage or decaying wood.
- Wood-Boring Beetles: lay eggs in wood; larvae tunnel through it as they develop. Common in older structural timbers.
Warning Signs to Watch For
- Mud tubes along foundation walls or crawl space piers (termites)
- Hollow-sounding or visibly damaged wood
- Small round exit holes in wood surfaces (beetles)
- Piles of sawdust-like frass near wood (carpenter ants or beetles)
- Discarded wings near windowsills or doors (termite swarmers)
- Soft or spongy floors near walls or in the basement
What a WDI Inspection Covers
A WDI inspection (also called a termite inspection) is a visual examination of all accessible areas of the home for evidence of wood-destroying insect activity. The inspector checks the foundation, basement, crawl space, garage, and any exposed wood members. Results are reported on an NMPA-33 form, which is often required by lenders and real estate transactions.
At Ease Home Inspection Services provides WDI inspections compliant with New Jersey, New York, and Pennsylvania standards.
Should You Always Get One?
Yes, especially in older homes, homes with wood-to-soil contact, or properties that have been vacant. Many lenders require a WDI inspection as part of the loan approval process. Even if yours doesn't, it's a small investment that can protect you from a very large surprise after closing.