What is a Termite Letter?

Learn the basics of termite bonds and letters, and find out why you might need one when looking to buy or sell a home.

termite bond


A termite inspection is an important aspect of home ownership. Whether you are buying or selling a home, you will likely come across the terms "termite letter" which is really a "wood destroying organisms report."

What is a wood destroying organisms report?

A wood destroying organisms report is a document that confirms a home for sale has been inspected for any signs of wood-destroying insects and organisms. The letter typically details types of infestation and damage found, recommended treatments and limits of the inspection conducted. If you are applying for a Federal Housing Administration (FHA) loan or a Veteran's Assistance (VA) loan, a wood-destroying pest inspection is required for approval. Mortgage companies may also require this type of documentation. If you are a homeowner attempting to sell a home, acquiring a wood destroying organims report or having an established termite bond prior to the sale of a home can save time and expedite the sale.

What is a termite contract?

This type of contract is essentially an insurance plan between a homeowner and a pest inspection company. Under a basic contract, the pest inspection company agrees to provide the homeowner with an initial treatment and annual inspection. During the coverage period, if a termite infestation is discovered, the cost to eradicate the infestation is covered by the pest inspection company.

Some pest management companies, such as Terminix®, also provide termite plans that include the cost to repair new damage caused by termites. These types of termite bonds are less common, but can save homeowners from having to pay for costly repairs.



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