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Termite Inspections When Buying or Selling a Home in Texas

What a termite inspection (WDI report) covers when buying or selling a home in Texas, when lenders require one, and what to do if termites are found.

By Time's Up Pest Control. Published 2026-10-22.

Key Takeaways

  • In Texas, termite inspections for real estate are reported on the official Wood Destroying Insect Report (WDIR).
  • Some loans, including many VA loans, require a termite inspection before closing.
  • A general home inspection is not the same as a licensed termite inspection.
  • Finding termites doesn't have to kill a deal. Treatment and repair can be negotiated.

Termites are common in San Antonio, and a termite problem is one of the most expensive surprises a buyer can find after closing. That's why a termite inspection is a standard part of many Texas home sales. Here's what buyers and sellers should know.

What Is a WDI Inspection?

A wood destroying insect (WDI) inspection looks for termites and other insects that damage wood. In Texas, results for real estate transactions are reported on the official Texas Wood Destroying Insect Report, often called the WDIR. The inspection must be done by a licensed pest control professional.

What the Inspector Checks

  • Active termite activity, like live termites, swarmers or active mud tubes
  • Evidence of past infestation and old damage
  • Signs of previous treatment
  • Conditions that invite termites, like wood touching soil, moisture problems, mulch against the foundation or leaky plumbing
  • Other wood-destroying insects, like carpenter ants or wood-boring beetles

Is a Termite Inspection Required?

Not for every sale. It depends on the loan and the contract:

  • VA loans commonly require one in Texas.
  • Some FHA loans and other lenders may require one, depending on the property and the appraisal.
  • Cash and conventional buyers usually aren't required to get one but often choose to.

Your lender and real estate agent can tell you what your transaction needs.

Why a Home Inspection Isn't Enough

A general home inspector may point out signs of termites, but they're looking at the whole house. A licensed termite inspector focuses on wood-destroying insects and is trained to find signs that are easy to miss.

For Buyers

  • Schedule the termite inspection during your option period so you have time to act on the results.
  • Ask the seller about past termite treatments and whether a warranty or service agreement transfers.
  • If damage is found, consider having a contractor look at structural repairs.

For Sellers

  • A pre-listing inspection lets you handle problems on your own timeline instead of under deadline pressure.
  • Keep records of past treatments and any transferable warranty.
  • Fix conducive conditions like wood-to-soil contact and drainage problems before listing.

What If Termites Are Found?

Finding termites doesn't have to end the deal. Active termites can be treated, damage can be repaired, and the cost can be negotiated between buyer and seller. Common treatments include liquid soil treatment and bait systems. Learn about the different types in subterranean vs. drywood termites.

How Time's Up Pest Control Can Help

Time's Up Pest Control (TPCL #877175) provides termite inspections and treatment for San Antonio buyers, sellers and real estate professionals. We can work around your closing timeline. Learn more about our termite services, or call for a free estimate.

Frequently Asked Questions

What is a WDIR in Texas?

It's the Texas Official Wood Destroying Insect Report, the form licensed inspectors use to report termite and wood-destroying insect findings in real estate transactions.

Who pays for the termite inspection?

Usually the buyer, though it can be negotiated. Some sellers order a pre-listing inspection themselves.

How long is a termite inspection good for?

Lenders often want a recent report, commonly within about 30 to 90 days of closing. Check with your lender for their requirement.

Contact Time's Up Pest Control

Time's Up Pest Control is a family-owned San Antonio pest control company serving homes and businesses. Licensed technicians (TPCL #877175), free estimates, satisfaction guarantee and 24/7 emergency service.

Phone: (210) 868-2267

Email: info@timesupbugs.com

Address: 1800 NE Interstate 410 Loop, Suite 216-B, San Antonio, TX 78209

Services: Pest Control, Termite Control, Pest Prevention, Commercial Pest Control