A termite report is your ultimate contract protection

In Southern California, it’s not a matter of if a home has had termites... it’s a matter of when. 🐜🌴

Whether you’re looking at a single-family home or a beachside townhome, skipping a termite check could cost you thousands in hidden structural repairs down the road.

Why You Should Always Request One 🐜

• It Catches Costly Surprises: Termites can silently eat away at a home's wooden frame. An inspection catches this damage before it becomes your expensive problem.

• The Seller Usually Pays: In SoCal, it is standard custom to ask the seller to pay for the inspection and fix any active infestations before closing.

• VA Loans Require It: If you are a military veteran using a VA loan, the bank will mandate a clear termite report before they approve your mortgage.

Section 1 vs. Section 2

• Termite reports are split into two critical parts:

  • 🔴 Section 1: Active infestations or visible dry rot. This requires immediate treatment or repair (customarily paid for by the seller in SoCal).

  • 🟡 Section 2: Conditions likely to lead to termites later (like earth-to-wood contact or standing water). This is preventative advice for the buyer.

But I'm buying a condo! Do I still need one?

• Ask the HOA First: Under California law, the HOA is typically responsible for treating termites in the common areas(like the roof, shared framing, and exterior walls), while you only cover your interior walls.

• Request Their Records: Instead of paying for your own massive inspection, ask the HOA for their most recent termite report and treatment history.

• What It Tells You: Reviewing their records ensures the building is healthy, safe, and that the HOA is actively taking care of the property.

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