Termite & WDI Inspection in Massachusetts NPMA-33 wood-destroying insect inspection — required for most VA, FHA, and many investor loans. Carpenter ant, carpenter bee, and powderpost beetle evaluation included.

A WDI (Wood-Destroying Insect) inspection — sometimes called a termite inspection — is required for most VA loans, many FHA loans, and a majority of investor and rural-loan products in Massachusetts. The output is a standardized NPMA-33 form that lenders, agents, and underwriters all recognize.

In the Pioneer Valley, carpenter ants are by far the most common WDI finding, with carpenter bees a distant second and subterranean termites a third — though all three are established in our region and showing up more frequently as conditions warm.

What’s Inspected

The inspection covers all accessible structural wood and wood-adjacent areas for evidence of:

• Subterranean termites — mud tubes on foundations, basement walls, sills; live insects; damaged wood with characteristic gallery patterns
• Carpenter ants — frass piles, foraging activity, galleries in damp or moisture-damaged wood (sills, rim joists, window frames, deck ledgers)
• Carpenter bees — bore holes in soft exterior wood (deck rails, trim, siding)
• Powderpost beetles — exit holes, frass, active emergence in older softwood and hardwood structural members
• Conducive conditions — wood-to-soil contact, moisture sources, missing flashing, improper grading, debris in crawlspaces

What You Get

• NPMA-33 form — the standardized lender-accepted form, signed and dated
• Photo documentation of any findings
• Cross-reference to the home inspection report for any related structural concerns

The form is delivered promptly after the inspection.

Pioneer Valley Patterns

• Older properties with fieldstone foundations or sills in contact with grade are the highest-risk for both termites and carpenter ants
• Decks and exterior trim in shaded, north-facing locations show consistent carpenter-bee activity
• Powderpost beetle activity is most common in older homes with original heart-pine or hardwood structural members
• Subterranean termite pressure has been increasing across Hampden County in the last decade — Holyoke, Chicopee, and Westfield see the most consistent findings

Most inspections are bundled with the buyer home inspection or multi-family inspection for efficiency. Standalone visits are available for refinances, walk-throughs, and seller pre-listing checks.

Schedule

Schedule online or call (413) 522-8004.