What Home Inspectors Look For
Termite risk assessment
Mud tubes, frass, hollow wood, crawlspace accessibility
Rodent entry points
Foundation gaps, door frames, utility penetrations, droppings
Previous pest damage indicators
Patched wood, rafters, structural supports, evidence of past infestation
Active pest populations
Live insects, frass, egg cases, activity in attic or crawlspace
Moisture conditions
Roof leaks, plumbing issues, grading problems that create pest habitat
Most lenders require a certified pest inspection report before issuing a mortgage. The report documents active infestation, past damage, and structural integrity.
Seller vs. Buyer Pest Treatment Responsibility
| Scenario | Seller Responsibility | Buyer Negotiation |
|---|---|---|
| Typical (Most Contracts) | Pay for inspection (required by lender); treat if found active | Requests inspection as part of due diligence; negotiates if severe |
| Severe Cases | May be required to disclose and repair major structural damage | Can request seller treatment or credit toward closing costs |
| Local Variations | Check state/county pest disclosure laws — requirements vary significantly | Verify local requirements before making offer |
Strategy: Get Ahead of Buyer Inspections
- Step 1 — Schedule pest inspection 2–4 weeks before listing
- Step 2 — If issues found, obtain treatment quotes and decide: treat now or offer credit
- Step 3 — If treating: complete and document treatment with receipts and warranties
- Step 4 — Disclose all findings honestly (legal requirement in most states)
- Step 5 — When buyer requests inspection, your preparation prevents negotiation friction