Official Florida FormAccepted for VA, FHA & conventional loans

WDO / TermiteInspection

Florida has some of the highest termite pressure in the nation. Whether you're buying, selling, or refinancing, we provide the official Wood-Destroying Organism report your lender and closing need.

State form

Lender-accepted

Fast turnaround

Keeps closings on track

Independent

We don't sell treatments

Close-up of termite damage and mud tubes on wood being inspected

We know what active termite damage looks like

When you need one

Common reasons for a WDO report

In Florida, a termite letter is part of most real-estate transactions - and always smart protection.

Buying a home

Most Florida real-estate contracts include a WDO clause. A clean report protects your purchase - and your lender wants to see it.

VA & FHA loans

Government-backed loans in Florida require a WDO report before closing. We provide the official state form.

Refinancing

Lenders often require a current termite letter as a condition of refinancing your home.

Selling your home

A proactive WDO report reassures buyers and keeps your closing on schedule.

Peace of mind

Florida has some of the highest termite pressure in the country. Regular checks catch damage early.

Older or wood-frame homes

Wood decks, older framing, and homes near heavy vegetation are prime targets worth monitoring.

The scope

What we look for

A complete check for every kind of wood-destroying organism common to Florida homes.

Subterranean Termites

  • Mud tubes on foundation
  • Slab penetrations
  • Active vs. old activity
  • Entry points

Drywood Termites

  • Frass (droppings) piles
  • Kick-out holes
  • Attic & framing
  • Trim & fascia

Wood-Decaying Fungi

  • Rot in damp wood
  • Discoloration
  • Soft/spongy areas
  • Moisture-driven decay

Other Wood Destroyers

  • Carpenter ants
  • Wood-boring beetles
  • Conducive conditions
  • Wood-to-soil contact

Structural Areas

  • Attic & roof framing
  • Crawl spaces
  • Baseboards & sills
  • Garage & additions

Conducive Conditions

  • Excess moisture
  • Poor drainage
  • Debris & mulch
  • Recommendations noted
How it works

Simple, fast, and closing-ready

1

Schedule the visit

Tell us the property and your deadline - purchase, refinance, or VA/FHA closing. We work around your timeline.

2

Thorough inspection

We inspect all readily accessible areas - interior, exterior, attic, and structural wood - for active and past activity.

3

Official Florida form

You receive the state-recognized WDO report (the 'termite letter') your lender, title company, or buyer needs.

4

Clear next steps

If we find activity or damage, we explain exactly what it means and what your options are - honestly and without upselling.

Questions

Frequently asked

WDO stands for Wood-Destroying Organism. It's a focused inspection for termites (subterranean and drywood), wood-decaying fungi, wood-boring beetles, and carpenter ants - anything that damages the wood in your home. In Florida, the results are reported on an official state form that lenders, title companies, and buyers recognize. Many people call it a 'termite inspection' or 'termite letter.'

Need a termite letter for your closing?

Get the official Florida WDO report - fast, thorough, and lender-ready. Serving Fort Pierce, Port St. Lucie, Stuart, Vero Beach, and the surrounding Treasure Coast, Palm Beach & Space Coast.

Licensed Florida Home Inspector #HI2622 - independent & unbiased
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