Contractor Taking Notes Examining Wood Stairwell During Pest Inspection

Pest Inspection: What It Covers And Why It’s Important

Kevin Graham4-minute read

November 23, 2022


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When you move into a home, or even after you’ve been in there for a while, you don’t want it to be a habitat for various critters. While a home inspection covers the general systems and structure of a home, a pest inspection is specialized. It’s always a good idea and may even be required, depending on the type of mortgage you’re getting.

In this article, we’ll go over everything you need to know about pest inspections and make sure you’re prepared should the need arise as a part of your mortgage process.

What Is A Pest Inspection?

A pest inspection includes a search for bugs and other creatures that can cause damage to the structure of your property, a health hazard or both. One common structural concern is caused by termites that get their nutrients from the wood in your house, but various other bugs and rodents can also cause concerns.

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What Does A Pest Inspection Entail?

A pest inspection usually takes place around the same time as a home inspection or appraisal. In fact, one of the instances it might be required is when an appraiser observes signs of a potential pest problem. However, as a homeowner, you can have a pest inspection done whenever you’re worried you might have an issue.

Typically, pest inspection and mitigation services are provided by the same types of companies that do extermination. If you suspect a problem and you can visually see where it’s coming from, it may be possible to do some DIY inspection and mitigation. However, this is something that’s often best left to pros. If required to get an inspection for your mortgage, a professional will be required.

With limited exceptions for certain states and counties within states, you usually need a pest inspection if you’re getting a Department of Veterans Affairs (VA) loan. One notable exception is the VA Streamline (also known as an interest rate reduction refinance loan or IRRRL), unless an appraiser thinks there’s a problem.

Let’s take a deeper dive into what’s involved in the inspection next.

A Thorough Search For Any Infestations

A trained pest inspector will look through the interior and exterior of your home for all manner of critters that could be a hazard. Depending on the region you live in, these include but aren’t limited to the following:

  • Subterranean and aboveground termites
  • Bedbugs
  • Cockroaches
  • Bees and other stinging insects
  • Carpenter ants
  • Various kinds of rodents
  • Spiders
  • Snakes
  • Scorpions
  • Moths
  • Wood-destroying insects

An Evaluation Of Any Structural Damage

Insects and other pests get into your house somehow, usually by exploiting and/or causing structural damage to your home. The inspector will look for evidence of damaged floorboards, baseboards, walls, siding and more. After rooting out the pests from their hiding place, the structural damage will have to be fixed.

A Detailed Pest Report

Once the inspector is done, they’ll issue a pest inspection report which is given to the appraiser. Although states have different forms and pests they look for based on the climate, they do share some common elements.

Each inspection form will give a brief overview of the pests found. They’ll also discuss where they were found and any damage done. Finally, they’ll go over necessary treatments.

Instructions For Treatment And Damage Repair

In the vast majority of instances, the problem needs to be treated and any damage caused by the infestation needs to be repaired to the satisfaction of the inspector before you can move forward with the loan if the inspector or appraiser had previously noted the problem. They’ll do another inspection to verify that the problem has been taken care of.

How Long Does A Pest Inspection Take?

Most pest inspections usually take between 30 minutes to an hour to complete. However, the actual length could be longer depending on a variety of factors, including what they have to look for, the square footage and the actual layout of the house. For example, if you have a crawlspace or attic that is harder to access, that can take some additional time.

The paperwork also has to be sent to your mortgage company and that might take a day or two to process. Beyond that, if damage repair or mitigation is required, it depends on how quickly you can get that scheduled. Once completed, another inspection to confirm damage repair and eradication of the problem is usually necessary. But the faster you get the damage repaired, the easier it can be.

How Much Does A Pest Inspection Cost?

According to HomeAdvisor, the average cost of a termite and pest inspection is about $100. However, the cost can vary quite a bit depending on the size of the home and what’s being inspected for. Additionally, sometimes you might be able to get a bundle deal if you also have a regular home inspection done with the same company.

With most loan options, it doesn’t matter who pays for the pest inspection. The one that’s different is the VA, and that’s important because it’s also the only loan where pest inspection is typically required.

A buyer, seller or lender can pay for a pest inspection under a VA loan in the following states:

  • Alabama
  • Arkansas
  • Arizona
  • California
  • Florida
  • Louisiana
  • Mississippi
  • Oklahoma
  • Texas

In the remaining states and Washington, D.C., either the seller or lender have to pay for the pest inspection on a VA loan.

Should I Get A Home Pest Inspection?

 A VA loan termite inspection is required in many states. For further details, speak with one of our Home Loan Experts. It’ll also be required if the appraiser notes signs of a pest problem.

Beyond that, no one wants to share their home with uninvited guests, particularly if those guests have more than four legs. Getting an inspection is well worth it for peace of mind alone. You’ll be making sure you have a place that’s clean and safe to live in.

Finally, if an appraiser deems it necessary and you don’t end up getting a home inspection, you may not be able to get a mortgage.

Home Pest Inspection FAQs

Here are a few of the most commonly asked questions regarding home pest inspections.

Are pest inspections required?

There are a few situations in which a pest inspection may be required. If you are applying for a VA loan or if a home inspection shows signs of a pest infestation, a professional pest inspection will likely be required.

Who pays for a pest inspection?

In most cases, the seller will cover the cost of a pest inspection. Covering this cost can help both the buyer and seller identify any present issues, lowering stress in the long run.

The Bottom Line

A pest inspection will help ensure that no undesirable creepy crawly has made your home their own. This relatively cheap inspection can be necessary to get a mortgage in some cases and it’s also there to give you reassurance that the home you’re living in is safe and sanitary.

We hope you learned a little bit more about pest inspections. A pest inspection and a general home inspection are always important, but they can be particularly necessary when you’re buying a house that’s sold as-is.

Ask your lender during the mortgage preapproval process if a pest inspection is required in your state.

We hope you learned a little bit more about pest inspections. A pest inspection and a general home inspection are always important, but they can be particularly necessary when you’re buying a house that’s sold as-is.

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Kevin Graham

Kevin Graham is a Senior Blog Writer for Rocket Companies. He specializes in economics, mortgage qualification and personal finance topics. As someone with cerebral palsy spastic quadriplegia that requires the use of a wheelchair, he also takes on articles around modifying your home for physical challenges and smart home tech. Kevin has a BA in Journalism from Oakland University. Prior to joining Rocket Mortgage, he freelanced for various newspapers in the Metro Detroit area.