Southeast Texas Termites Are Not Optional.
Southeast Texas has some of the most aggressive termite pressure in the United States. Subterranean termites, Formosan termites, and other wood-destroying insects thrive in SETX heat and humidity. A WDI inspection is required for VA and FHA loans — and critical for every buyer.
- Performed by Champion Termite & Pest Control's licensed inspector
- Subterranean termite identification
- Formosan termite evaluation
- Wood-destroying beetle assessment
- Evidence of prior infestation documented
- Active vs. inactive infestation noted
- Visible structural damage documented
- Moisture conditions that attract WDI
- Texas Official Wood Destroying Insect Report
- VA and FHA compliant documentation
Southeast Texas Has Some of the Worst Termite Pressure in the U.S.
The Gulf Coast climate — humid, warm, and wet — is ideal for wood-destroying insects. Formosan termites alone can destroy a home's structural framing within years of infestation. Every buyer in the Golden Triangle should have a WDI inspection.
Subterranean Termites
The most common termite in Southeast Texas. Colonies live underground and build mud tubes to reach wood above ground. Evidence of tubes, swarmers, and damaged wood documented in all accessible areas.
Formosan Termites
Formosan subterranean termites are one of the most destructive invasive species in the United States — and highly prevalent in coastal Southeast Texas. Larger colonies and more aggressive feeding than native species.
Wood-Destroying Beetles
Old house borers, powderpost beetles, and other wood-boring insects attack structural lumber, hardwood flooring, and furniture. Exit holes and frass (waste material) are documented during inspection.
Moisture Conditions
Wood-destroying insects follow moisture. High moisture wood — from leaks, condensation, or grade issues — attracts and sustains infestations. Moisture contributors are identified as part of the WDI evaluation.
Structural Damage
Visible structural damage from WDI activity — damaged sill plates, floor joists, wall framing, and roof components — is documented and photographed for your report and any required remediation estimates.
Official Texas WDI Report
Champion Termite & Pest Control issues the Texas Official Wood Destroying Insect Report accepted by VA, FHA, and conventional lenders — documenting current evidence, prior treatment history, and observable damage in the format lenders require.
WDI Is Required for VA & FHA Loans.
VA and FHA lenders require a WDI inspection on all properties in high-risk termite areas — and Southeast Texas is among the highest-risk regions in the country. Don't wait for your lender to flag it.
VA Loan Requirement
VA loans require a WDI inspection in Texas. Any active infestation or significant damage must be remediated before loan approval. The seller typically bears the cost of treatment.
FHA Loan Requirement
FHA loans require WDI inspection in designated high-risk termite zones. Southeast Texas is fully within this zone. Active infestation findings must be treated and re-inspected before closing.
Conventional & Cash Buyers
Even without a loan requirement, WDI inspection is strongly recommended for every Southeast Texas buyer. Treatment costs run $800–$3,000+. Structural damage repairs are far more expensive.
WDI / Termite Inspection FAQ
A WDI inspection is an evaluation — a licensed inspector from Champion Termite & Pest Control, FTGU's partner company, documents evidence of wood-destroying insects, prior treatment, and visible damage. If treatment is needed, Champion can handle that too.
The terms are often used interchangeably, but WDI (Wood-Destroying Insect) is the official term used on the Texas report. A WDI inspection covers termites, wood-destroying beetles, and other insects — not just termites.
A standalone WDI inspection typically takes 45–60 minutes depending on home size and accessibility. Combined with a full home inspection it adds minimal additional time.
Active infestation findings are documented in the official WDI report. For VA and FHA loans, treatment is required before closing. For conventional and cash buyers, the findings provide grounds to request seller-paid treatment or a price reduction.
FTGU coordinates WDI inspections with Champion Termite & Pest Control. Champion performs the WDI inspection, issues the official report, and bills and collects payment directly. If treatment is needed, discuss it with Champion.
Don't Wait — Schedule Today
Schedule Your WDI Inspection Today.
Available 7 days a week · Reports within 24 hours · Serving Southeast Texas since 2004
Book online · Choose your services · View available appointments