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Home » VA Termite & Pest Inspection Requirements By State

VA Termite & Pest Inspection Requirements By State


When you buy a home using your VA home loan benefits, you may be required to have a termite or pest inspection on the property before it can be approved for a VA mortgage.

General VA Loan Pest Inspection Requirements

The VA Lender’s Handbook, VA Pamphlet 26-7, states that a VA appraiser must note, “if the property is located in an area where the probability of termite infestation is ‘very heavy’ or ‘moderate to heavy’ according to the Termite Infestation Probability Map” which is published by the Council of American Building Officials (CABO).

VA Termite and Pest Inspection Requirements

VA.gov adds, “Unless otherwise noted, wood-destroying insect information is required,” as instructed in the VA Lender’s Handbook. No matter where the home is located, “an inspection is always required if the appraisal report indicates evidence of wood-destroying insect damage or an active insect infestation”.



VA Loan Pest Inspection Requirements By State

What follows is a list of termite and pest inspection requirements by state. The information is current at press time but you may wish to check in your local area to see if these rules have been modified by legislation or other variables.

ALABAMA

No additional requirements to what is mentioned above.

ALASKA

According to VA.gov, wood-destroying insect information is “not generally required.”

ARIZONA

No additional requirements listed.

ARKANSAS

Wood-destroying insect information is required.

CALIFORNIA

No additional pest inspection requirements listed.

COLORADO

The Department of Veterans Affairs does not require Wood Destroying Insect Information on properties in the State of Colorado “unless the VA appraisal indicates Wood Destroying Insect infestation or a condition conducive to infestation.”

CONNECTICUT

No additional requirements.

DELAWARE

No additional requirements.

DISTRICT OF COLUMBIA

No local requirements listed.

FLORIDA

No additional VA pest control inspection requirements listed.

GEORGIA

No local requirements listed.

HAWAII

The following information applies in Hawaii. “Wood Destroying Insect Inspections are required on all existing residential properties, including condominium projects that are 5 stories or less in height, due to the high probability of termite infestation in the area.”

According to the Department of Veterans Affairs, Hawaii mandates that Wood Destroying Insect Inspections are reported on a PC-9 Form effective for 15 days total. However, “For the purposes of closing the loan, the VA considers the Wood Destroying Insect Inspection and the PC-9 Form to be valid for 90 days.” This extended validity is only for VA loans and does not affect warranties “that the property is free from wood destroying insects to 90 days.”

IDAHO

No additional requirements.

ILLINOIS

No local requirements listed.

INDIANA

No local requirements listed.

IOWA

No local requirements listed.

KANSAS

No local requirements listed.

KENTUCKY

No local requirements listed.

LOUISIANA

Wood-destroying insect information is required.

MAINE

VA literature states that “Wood-destroying insect information is not generally required.”

MARYLAND

No local requirements listed.

MASSACHUSETTS

No additional requirements.

MICHIGAN

Wood-destroying insect information is “required for all properties” in these counties in the state of Michigan:

  • Allegan
  • Barry
  • Berrien
  • Branch
  • Calhoun
  • Cass
  • Hillsdale
  • Ionia
  • Jackson
  • Kalamazoo
  • Kent
  • Lenawee
  • Livingston
  • Macomb
  • Mason
  • Monroe
  • Muskegon
  • Oakland
  • Oceana
  • Ottawa
  • Clair
  • Joseph
  • VanBuren
  • Washtenaw
  • Wayne

MINNESOTA

VA.gov indicates, “Wood-destroying insect information is not generally required.”

MISSISSIPPI

No additional requirements listed for pest inspections.

MISSOURI

“No local requirements.”

MONTANA

Wood-destroying insect information is “not generally required.”

NEBRASKA

Pest information/wood destroying insect information is required for all Nebraska properties.

NEVADA

No additional requirements listed.

NEW HAMPSHIRE

Wood-destroying insect information is required “only for the southern New Hampshire counties” including:

  • Cheshire
  • Sullivan
  • Merrimack
  • Rockingham
  • Belknap
  • Hillsborough
  • Strafford

NEW JERSEY

No additional requirements.

NEW MEXICO

No local requirements listed.

NEW YORK

Wood-destroying insect information is required for all properties in these New York Counties:

  • Bronx
  • Broome
  • Columbia
  • Delaware
  • Dutchess
  • Greene
  • Kings
  • Nassau
  • New York
  • Orange
  • Putnam
  • Queens
  • Richmond
  • Rockland
  • Suffolk
  • Sullivan
  • Ulster

NORTH CAROLINA

No local requirements listed.

NORTH DAKOTA

Wood-destroying insect information “is not generally required”.

OHIO

No local requirements listed.

OKLAHOMA

Wood-destroying insect information is required.

OREGON

No local requirements listed.

PENNSYLVANIA

No additional pest inspection requirements listed.

PUERTO RICO

Wood-destroying insect information is required in cases where any part of the property is made of wood “not pressure treated in conformance with American Wood Preservers Institute (A.W.P.I) standards.”

RHODE ISLAND

No local requirements listed.

SOUTH CAROLINA

No local requirements listed.

SOUTH DAKOTA

No local requirements listed.

TENNESSEE

No local requirements listed.

TEXAS

Wood-destroying insect information is required.

UTAH

Wood-destroying insect information is required “for all Utah properties.”

VERMONT

At press time, wood-destroying insect information is required “only in the southern Vermont counties of Bennington and Windham.”

VIRGINIA

No local requirements listed.

WASHINGTON

Wood-destroying insect information is “not generally required”, however, “when an inspection is necessary the State requires that it identify rot and conditions conducive to rot” according to VA.gov.

WEST VIRGINIA

No local requirements listed.

WISCONSIN

Wood-destroying insect information is required in the following counties:

  • Columbia
  • Crawford
  • Dane
  • Dodge
  • Grant
  • Green
  • Iowa
  • Jefferson
  • Kenosha
  • Lafayette
  • Milwaukee
  • Ozaukee
  • Racine
  • Richland
  • Rock
  • Sauk
  • Vernon
  • Walworth
  • Washington
  • Waukesha

WYOMING

No local requirements listed.



About The AuthorJoe Wallace is a 13-year veteran of the United States Air Force and a former reporter for Air Force Television News


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