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Terminix inspector checking a window frame for insect damage

Wood-Destroying Insect Report

Lender-ready WDI reports for home buyers, sellers and agents across Central Illinois and Western Indiana, completed by licensed local Terminix inspectors.

80+ Years|BBB Accredited|4.9 Stars
Request a WDI Report
Champaign/Urbana(217) 359-0037
Danville(217) 442-2404

Official NPMA-33 form

The standard report lenders expect

Lender-ready

Accepted for FHA, VA and conventional loans

Licensed local inspectors

Serving Illinois and Indiana since 1946

Scheduled around your closing

We work to your contract deadlines

Request Your WDI Inspection

Tell us where the property is and we will call to confirm the price and a time that fits your closing.

Schedule a Wood-Destroying Insect Report

The basics

What Is a Wood-Destroying Insect Report?

A Wood-Destroying Insect Report is an official, standardized record of whether a property shows visible evidence of termites and other insects that eat or tunnel through wood. You may also hear it called a WDI report, a termite inspection report or simply a termite letter.

Termites can work inside a home for years before anyone notices, so lenders, buyers and agents rely on this report to understand a home's condition before money changes hands. It is a snapshot of what a trained inspector can see on the day of the visit, documented on the form the real estate industry trusts.

Who Needs a WDI Report?

Almost every home sale in our area involves one. Here is how it helps each side of the deal.

Home buyers

Know what you are buying. A WDIR tells you whether termites or other wood-boring insects have left their mark before you sign.

Home sellers

Get ahead of the buyer's inspection. A clean report up front removes a common reason deals stall or renegotiate late.

Real estate agents

One call gets your client scheduled and the finished report sent straight to you, the lender and the closing attorney.

Lenders & refinancing

Many FHA and VA loans, and some conventional loans, require a current WDI report before they will fund.

How Getting a WDIR Works

  1. 1

    Request your inspection

    Call either branch or send the form above. Tell us the address, your closing date and who should receive the report.

  2. 2

    We inspect the property

    A licensed Terminix inspector visually examines the accessible interior, exterior, basement or crawl space, and attic of the home.

  3. 3

    You receive the report

    We complete the official NPMA-33 report and deliver it to you and anyone you name, ready for your lender's file.

Licensed Terminix inspector probing stair trim for signs of wood-destroying insects

What's covered

What Our Inspectors Look For

Our inspectors check the foundation, basement or crawl space, attic, garage, sill plates, joists, trim, decks and other wood in contact with the soil for four groups of wood-destroying insects.

  • Subterranean termites

    The most common and costly wood destroyer in Illinois and Indiana. We look for mud tubes, swarmer wings and damaged wood.

  • Carpenter ants

    They hollow out moist or softened wood to nest. Sawdust-like debris and large black ants indoors are telltale signs.

  • Carpenter bees

    Perfectly round entry holes in decks, eaves and fascia boards, often with coarse sawdust below.

  • Wood-boring beetles

    Powderpost and old house borer beetles leave tiny exit holes and fine, flour-like powder in hardwoods and framing.

What the report documents

  • Live insects found during the inspection
  • Dead insects, shed wings or other insect parts
  • Visible damage to wood caused by wood-destroying insects
  • Signs that the home has been treated in the past
  • Areas of the home we could not access, so nothing is assumed

What a WDIR does not cover

  • Areas behind walls, under floor coverings, insulation or stored belongings
  • Destructive testing, such as removing drywall or trim
  • A structural engineering evaluation or repair estimate
  • Mold, moisture or other home defects (a general home inspection covers these)
  • A guarantee that insects are not hidden or will not arrive later

Found Termites? We Can Help Before Closing.

If the inspection turns up activity, the same local team can explain your options and provide a written treatment proposal, so the deal can keep moving. Termite treatment is backed by the Terminix guarantee.

Termite Treatment Options

Wood-Destroying Insect Report FAQs

A Wood-Destroying Insect Report, often called a WDIR, WDI report or termite letter, is an official record of whether a licensed inspector found visible evidence of termites, carpenter ants, carpenter bees or wood-boring beetles at a property on the day of inspection. In Illinois and Indiana it is completed on the NPMA-33 form, the standard document lenders and real estate professionals use.

Buyers usually order one as part of their due diligence, and many lenders require one for FHA and VA loans and for some conventional mortgages and refinances. Sellers often order a report before listing so there are no surprises once a buyer is under contract.

A general home inspection looks at the overall condition of the house: roof, plumbing, electrical, HVAC and so on. A WDIR focuses only on wood-destroying insects and the damage they cause, and it must be completed by a licensed pest control inspector. Most real estate transactions need both.

A WDIR reflects the conditions on the day of the inspection. Lenders typically want the report dated within a set window before closing, commonly 30 to 90 days depending on the loan program, so it is best to schedule it with your agent once your closing date is set.

Pricing depends on the property, and we confirm it when you schedule, before anyone comes out, so there are no surprises at closing. Call your nearest Terminix BigBugs branch or send the request form for a quote.

The report will note what was found and where. Our team can then explain treatment options and provide a written proposal, so buyers, sellers and agents can decide how to handle it before closing. Termite treatment is backed by the Terminix guarantee.

Closing Soon? Schedule Your WDIR Today.

Call the branch nearest the property and we will get your inspection on the calendar.

Champaign/Urbana(217) 359-0037
Danville(217) 442-2404
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