Who Pays for Termite Inspections in Maryland?

Melissa E. Spittel
Published on July 18, 2018

Who Pays for Termite Inspections in Maryland?

Termites: those creepy pests no one wants to see or think about.

Although they may start out underground, a few strategically constructed and placed mud tubes may allow them entry into the home.

They can also gain access to the home through wood that is in contact with the soil. This includes porch steps and supports, doorframes, deck supports and more, according to the pros at Orkin.

Evidence of an infestation doesn’t have to throw a real estate transaction into turmoil. The homeowners may be clueless about it and buyers don’t necessarily have to be scared.

Termites aren’t a problem in many parts of the country, but have been known to be active in certain areas in Maryland. Lenders may require a “wood destroying insect inspection”, frequently referred to as a termite inspection, when buying a house in Maryland.

So, what does the inspector look for?

  • The mud tubes mentioned earlier are one indication of an infestation. For several reasons (access to a food source is one), termites construct these tubes from the soil to wood. Sometimes the inspector has no trouble finding mud tubes. Sometimes, they are hidden inside walls, behind the homes baseboards, under the floors and behind walls.

Check out Orkin’s website to learn more about mud tubes and to see photos to help you identify them.

  • The inspector will also look for termite wings. Like moths, termites may cluster around light sources, so one sign of an infestation are their wings littering windowsills or stuck in cobwebs.
  • The inspector may check any wood structures on the property, such as fencing, wood mulch in the garden, firewood stacks and wooden structures.
  • Termite damage is a sure-fire sign of an infestation, so the inspector looks for evidence of such on wood surfaces, such as floors.

Who pays for the inspection?

The buyer pays for the wood destroying insect inspection in Maryland. The only exception to this is the buyer who is using a VA loan. In this instance, the buyer is not allowed to pay for the inspection, and the seller becomes obligated to pay. Fortunately, many inspection companies allow payment to be made at settlement out of the seller’s proceeds.

What if an infestation is found?

The Maryland inspection report will indicate if there is any insect damage, either current or old. The report will also indicate whether the inspector found any signs of treatment. If there are any signs of activity, the seller will be obligated to have it treated.

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Who Pays for Termite Inspections in Maryland?
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