Termite (WDI) Inspections in Maryland: What Buyers and Sellers Need to Know
Protect your deal and the property by planning for WDI early.
Wood-destroying insect (WDI) inspections are common in Maryland transactions. Whether you’re using a VA loan that requires clearance or simply protecting your investment, knowing timing, costs, and negotiation paths will help you avoid delays and surprises.
What the WDI Inspection Covers
Inspectors look for termites, carpenter ants, carpenter bees, and wood-boring beetles, plus conducive conditions like moisture or earth-to-wood contact.
When to Order It
Order the WDI alongside your general home inspection so results arrive within the contingency window.
Findings & Treatment
Minor activity may call for spot treatment; extensive activity can require full remediation or structural repair. Obtain written estimates.
Who Pays?
Customary responsibility varies by county and loan type. VA often requires seller to handle treatment; for conventional loans it’s negotiable.
Negotiation Options
- Seller treats before settlement
- Credit at closing
- Price reduction
Preventive Tips
- Maintain gutters & grading
- Remove wood piles
- Address moisture in crawlspaces
Buyer Checklist
- Order WDI with home inspection
- Confirm lender requirements
- Budget for treatment scenarios
- Get 2 quotes if activity is found
Maryland Case Study
Case Study: Edgewater ranch flagged subterranean termites. Seller opted for treatment + one‑year bond; closing stayed on schedule with a same‑day reinspection.
FAQ
How much is a WDI in Maryland?
Often $75–$150; multi-structure properties can be higher.
Do VA loans require WDI?
Typically yes—a clear report is required before closing.
Who chooses the pest company?
Either party can; select licensed firms and keep receipts for underwriting.
Can treatment delay closing?
Minor spot treatments usually don’t; major infestations may require reinspection.
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