Is a termite inspection required to sell a house in Missouri?
No Missouri law requires a termite inspection on every sale. The loan, the lender and the purchase contract decide if you need one. Lenders on VA and FHA loans often ask for a wood-destroying insect report, many buyers write one into the contract, and the NPMA-33 is the standard form most lenders accept.
The Kansas side works the same way in Galena and Riverton: the lender and the contract set the requirement, while the Kansas Department of Agriculture oversees the pest control businesses that do the inspecting.
For a step-by-step look at the paperwork, read the Missouri home-sale termite inspection guide.
What is the difference between a termite inspection and a WDI report?
The inspection is the work: a technician checks the house for termites and damage. The WDI report is the paperwork: the NPMA-33 form that records what was seen, what could not be reached and whether there is evidence of past or present infestation. A sale needs the form; a curious owner usually needs only the inspection.
Neither one promises the house is termite-free going forward. Both describe the visible, reachable parts of the house on the day of the visit, and termites inside a finished wall or under a covered slab can go unseen.
Termite inspection vs NPMA-33 WDI report| Item | Termite inspection | NPMA-33 WDI report |
|---|
| Who usually asks | The homeowner | A lender, buyer or agent |
|---|
| What it looks for | Termites, damage, moisture and entry points | Termites and other wood-destroying insects |
|---|
| Paperwork | Written service report | Signed standard industry form |
|---|
| Typical range | Free–$125 | $75–$150 |
|---|
What does the technician check during a termite inspection?
The technician checks every reachable place where soil meets the house: the foundation line, porches, steps and decks, the garage, the crawlspace or basement, bath traps and plumbing openings, door frames and baseboards. Suspect wood is tapped and probed, and moisture, wood-to-soil contact and stored lumber are recorded as conditions that attract termites.
Clear a path to the crawlspace door and attic hatch, pull boxes off the basement walls, and put pets up. Any area that cannot be reached gets marked inaccessible on the report, which can worry a buyer more than a clean finding.
- Foundation and slab edges, including cracks and expansion joints
- Crawlspace piers, sill plates, joists and the vapor barrier
- Cellar steps, old coal chutes and stone walls in mining-era houses
- Porches, stoops and additions built on their own footings
- Window and door frames, baseboards and stair stringers
- Gutters, downspouts, vents and leaks that keep wood damp
What happens if termites turn up during a sale?
If live termites or fresh damage turn up, the report says so and the technician quotes a treatment. Buyer and seller then decide, usually through their agents, who pays and whether treatment happens before closing. Lenders typically want proof of treatment, and a carpenter or builder may need to look at any structural damage separately.
Old damage with no live activity is recorded too. Plenty of older houses around Webb City show signs of a past infestation treated decades ago, and the report notes visible evidence of earlier treatment, such as patched drill holes in a slab.
See termite control for how a treatment works and what it costs.
How often should a Webb City home be checked for termites?
Once a year is a sensible habit for most houses around Webb City, ideally just before or during the spring swarm season. Homes with crawlspaces, cellars, wooden porches or a termite history benefit most. A yearly check costs far less than replacing joists and sill plates after several summers of quiet feeding.
Owners with a bait program get this built in, since termite bait monitoring means regular station checks through the year.