St. George & Southern Utah Pest Control Experts

Why Are WDI Reports Necessary And What Is Required For HUD/VA Transactions?

By Eric Palmer April 12, 2021
Form NPMA-33 MUST be used by WDI inspectors to report the results of WDI inspections for any HUD/VA guaranteed property transaction. The NPMA-33 is now the norm for conventional real estate transactions in most states.

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Form NPMA-33 MUST be used by WDI inspectors to report the results of WDI inspections for any HUD/VA guaranteed property transaction. The NPMA-33 is now the norm for conventional real estate transactions in most states. If your state requires the use of a state-approved form and excludes all other forms, the state-mandated form must be used in place of the NPMA-33. Inspected areas of the structure may vary according to state requirements and practices. The NPMA-33 does not preempt state requirements for inspection practices and reporting. If there isn't state guidance, the inspection procedure should be per NPMA guidance.

SECTION I. General Information

This section is mandatory and must be filled out completely and accurately. The WDI inspector must provide the business name, address, and contact phone number for the company performing and reporting the results of the inspection. The business license number is the license number of the company conducting the inspection, not the license number of the individual WDI inspector. In states where there isn't a business license requirement, the words "not applicable in this state" should be written in this section. The actual date of the WDI inspection or if it is a multiple-day inspection all dates must be written in this section. The complete physical address and the mailing address of the property must be listed if they are different. The seller's name and/or buyer's name may be entered here but is not required. Under the Inspector section, the WDI inspector must provide their full name, certification, registration, or license number issued by the state pest control regulatory agency and sign the form in this section. This section also requires the WDI inspector to list all of the structures on the property that are part of the report. The person ordering the inspection should specify which structures are to be inspected and that information should be relayed exactly to the WDI inspector before the inspection. When possible, the buyer or the buyer's agent should order the inspection. When reviewing the WDI report make sure all areas are accurate and complete or your lending company may reject the report.

SECTION II: Inspection Findings

This is the section where you will find the results of the WDI inspection. Lengthy notes or attachments are reported in Section V, so be sure to check that area of the report when reviewing the results. The inspection reports the conditions of the property on the date of the WDI inspection only and a warranty is not provided in this report unless an attachment is made and noted in Section V.

  1. "No visible evidence of wood-destroying insects was observed." This box is checked if absolutely no visible evidence of wood-destroying insects was observed on the inspection date. Wood-destroying insects for this report include termites, carpenter ants, carpenter bees, and reinfesting woodboring beetles. This box will NOT be checked if there is ANY visible evidence of wood-destroying insects.
  2. "Visible evidence of wood-destroying insects was observed as follows:" This box will be checked if there is ANY visible evidence of wood-destroying insects regardless of the extent or age of the evidence. If box B is checked, one or more of the following boxes must also be checked and additional information provided.
    1. "Live Insects:" This box will be checked if live wood-destroying insects were found during the inspection. The type of insect and the general area where they were found will be listed.
    2. "Dead insects, insect parts, frass, shelter tubes, exit holes or staining:" This box will be checked if any of these listed items are observed, along with their general location.
    3. "Damage from wood-destroying insects noted in the following areas:" This box will be checked if damage from wood-destroying insects is observed. The description will not specify cosmetic or structural damage and if further investigation is warranted a qualified professional should be contacted.

The next question under "Note" will either be checked "yes" or "no" by the WDI inspector. The "yes" box is checked if the WDI inspector identifies evidence that the structure has been previously treated for the wood-destroying insects he has inspected for in and around the structure. A notation is also required stating what that evidence is: drill holes, termite bait stations, dusted carpenter bee holes, documentation of treatment presented to the WDI inspector before the completion of the WDI report, etc. If the "no" box is checked the WDI inspector did not find any evidence of previous treatment and there will not be a description entered on the description lines.

SECTION III. Recommendations

Based on observations in Section II, the WDI inspector will make recommendations for what corrective measures to the structure are deemed necessary or prudent to control the wood-destroying insects observed during the WDI inspection. Live insects do not have to be observed by the WDI inspector for treatment recommendations. Recommending treatment can be based on the observance of evidence that wood-destroying insects have been present at a previous time and that there isn't any evidence to show the infestation was treated at the time of the infestation.

**Regarding Subterranean Termite Recommendations**

Termite control treatment could be recommended whenever live termites are observed regardless of whether or not the structure has been previously treated. Recommendation for treatment can also be recommended whenever evidence of termites is observed and there isn't any evidence of a previous treatment. A recommendation for treatment can also be recommended for a previously treated structure showing evidence of an infestation, but not live termites if there is no treatment documentation provided to the WDI inspector before the inspection. It is solely up to the WDI inspector to accept the documentation provided as evidence of previous treatment. Based on this documentation the WDI inspector will decide if a current termite treatment contract is in effect, or if the treatment was correctly performed and still effective for the treatment of subterranean termites. If documentation is presented after the WDI inspection the WDI inspector will not change the WDI report but advise that the documentation be provided to the lender or appropriate parties. It should be understood that these treatment recommendations are suggested and treatment by the seller or buyer is not always mandatory.

group of termite swarmers

SECTION IV: Obstructions & Inaccessible Areas

The boxes to the left will be check-marked by the WDI inspector for each area of the structure, exterior, and any other location on the property the inspector has inspected. To the right of the areas of the structure, the WDI inspector will use the key provided, or hand writes, any obstruction or inaccessible areas encountered during the inspection. If more space is necessary, additional areas and information will be listed under the "Other" section or in Section V of the WDI report.

SECTION V: Additional Comments and Attachments

Comments in this section may include pertinent information not listed elsewhere on the WDI report. If attachments are submitted with the WDI report a list of those attachments can be found in this section.

Signature of Buyer & Seller

The buyer and seller must sign the WDI report. These signatures should be obtained at closing by the realtor or closing firm and are not the responsibility of the WDI inspector. The seller's signature signifies that the seller has disclosed all pertinent property information regarding wood-destroying insect infestation, damage, repair, and treatment to the buyer. The buyer's signature acknowledges receipt of a copy of the WDI report.

Important Consumer Information Regarding the Scope and Limitations

The reverse side of Page 1 is part of the WDI report and contains important information that should be read by the buyer, seller, real estate agent, and any other party involved in the real estate transaction. A full understanding of the scope and limitations of the WDI inspection cannot be gained without reading Page 2 of the WDI report. This section also specifies that the WDI inspector's training and experience do not qualify the inspector in damage evaluation or building construction technology/repair. It also states that the WDI report is not a guarantee or warranty as to the absence of wood-destroying insects nor is it a structural integrity report. (However, some WDI inspectors will attach a guarantee or warranty to the WDI report as part of their services.)

  1. About the Inspection: This section addresses what wood-destroying insects, general inspection, and warranty parameters are covered by the WDI report. It reinforces that mold, mildew, and non-wood-destroying insects are not covered by the WDI report and inspection.
  2. Treatment Recommendation Guidelines Regarding Subterranean Termites: This section provides additional detail and guidance to the inspector to assist in deciding as to when a recommendation for treatment should be made in Section III. It provides some of the factors considered by the inspector in the decision-making process. Much of the language in this section reflect the guidance provided under Section III above.
  3. Obstructions and Inaccessible Areas: This section provides additional detail to the inspector and customer as to what is commonly considered an area obstructed from or inaccessible to inspection. It guides completing Section IV of the form and should be referred to if a question of accessibility becomes an issue.
  4. Consumer Maintenance Advisory Regarding Integrated Pest Management for Prevention of Wood-Destroying Insects: This section provides suggestions to homeowners about corrective measures, other than treatments, that could be undertaken to reduce the chances of wood-destroying insect problems in the structure.
  5. Neither the inspecting company nor the inspector has had, presently has, or contemplates have any interest in the property inspected: This statement means that the WDI inspector, by signing the WDI report, is not a party to the real estate transaction.
    Reading and understanding the WDI report will help conventional and HUD/VA real estate transactions go smoothly, eliminate confusion and result in quicker closings for buyers, sellers, and agents.

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