What a Florida WDO inspection is, why lenders require it for a home purchase, and how to get one fast.
Quick answer: a WDO (wood-destroying organism) inspection is Florida’s official termite inspection, documented on state Form 13645. Most mortgage lenders require one before closing, and it is smart due diligence even when they do not — Florida homes face year-round termites, wood-decay fungi, and wood-boring beetles.
A licensed inspector checks the home for evidence of termites, wood-decay fungus, and wood-boring beetles, plus any visible damage, and records the findings on Florida’s standardized Form 13645.
Most lenders require a WDO report for the mortgage — VA loans almost always do. Even cash buyers should get one to avoid inheriting an expensive, hidden termite problem.
A standalone WDO inspection in the Naples area typically runs $75–$150, and we work with real-estate timelines for fast turnaround. It is often free when bundled with a treatment plan. See our cost guide.
If the report notes active termites or damage, you will get treatment options and a clearance letter once the issue is resolved — see termite control. This is often negotiated between buyer and seller before closing.
Super Pest Guard provides Florida WDO inspections across Naples and Southwest Florida. Book through our termite & WDO inspection page or call (844) 918-3467.
No — a home inspection covers the overall property, while a WDO inspection specifically checks for termites and other wood-destroying organisms on Form 13645.
A Florida WDO report is generally considered valid for about 30 days, which is why it is scheduled close to closing.
Typically $75–$150 for a standalone inspection, and often free when bundled with a treatment plan.
Super Pest Guard is FDACS-licensed and serves Naples and 40+ SW Florida communities with same-week service.
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