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Publication #ENY-2005

Choosing a Licensed Wood-Destroying Organism (WDO) Inspector1

Faith M. Oi, Paul Mitola, Kathleen Ruppert, Michael Page and Mark Ruff2

The Problem

During 2004, there were over 100 known illegal Termite and Wood-Destroying Organism (WDO) inspectors at work in the state, filling out Form 13645. Form 13645 is important to consumers in Florida because if an inspection for termites and other WDOs is often done as part of a real estate transaction. When this happens, Florida Statute 482.266 requires Form 13645 be issued to the person (or agent) requesting the inspection. For more information on Form 13645, as it pertains to home buyers, see and click on Understanding Real Estate WDO Report [30 October 2012].

Distinguishing between a WDO Inspection and a Structural Inspection

Two types of inspections homeowners typically request prior to the time of closing on real estate include the WDO inspection and the structural home inspection. The difference between these inspection types may not be apparent to someone new to the state or to inexperienced buyers. The WDO inspection is for termites and other WDOs (such as wood boring beetles and fungi); the home inspection is for the structural condition of the home (including electrical, HVAC, plumbing, etc.). There are excellent home inspection companies in the state that provide detailed reports on the condition of the home, including notations of structural damage related to termites and other WDOs on forms other than Form 13645. However, home inspectors cannot legally perform WDO inspections unless they work for a licensed pest control company and have been properly trained to perform a WDO inspection using Form 13645 to report the inspection findings. The fact that some home inspectors have crossed over to the pest control side and can legally complete Form 13645 has resulted in confusion over the differences between a home inspection and a WDO inspection.

Beginning July 1, 2011, the home inspection industry will be regulated by the Florida Department of Business and Professional Regulation (DBPR) as stated in section 468.83, Florida Statutes. DBPR will enforce regulations pertaining to the structural condition of homes. Inspections for WDOs in relation to Form 13645 remain under the regulatory authority of the Florida Department of Agriculture and Consumer Services (FDACS) (see Chapter 482, Florida Statutes). Table 1 provides the reader a clarifying summary of the inspection differences.

How do you know you are contracting the services of a legal termite inspector?

The inspector should be a certified operator in the category of “termites and other wood-destroying organisms” or an employee of a certified operator with a valid ID card containing the endorsement “WDO inspector”. A “certified operator” is defined by Florida Statute as “an individual holding a current pest control operator's certificate issued by the department” (FS 482.021). Employees also are known as technicians or “ID cardholders”. An “ID cardholder” or certified operator should be able to produce his or her ID card, issued by FDACS upon request.

Are all inspectors with Home Inspection Companies illegal? No.

There are some home inspection companies that have certified “WDO inspectors” working for them. Legitimate home inspection companies doing WDOs (Form 13645) will have an on-staff certified pest control operator in the FDACS Pest Control Operator category of termite. You can verify that you are dealing with a legal inspector by checking his/her ID card. The ID card should have the “WDO inspector” endorsement with the name of the pest control company on the card. Sometimes the home inspection company name and the pest control company name can be the same.

Are all inspectors with Pest Control Company IDs legal? No.

There are some pest control companies “selling” ID cards with the “WDO inspector” endorsement on it. “Selling” an ID card is where a pest control operator provides ID cards for people he/she does not directly employ or supervise, which is illegal. Sometimes, these can be unlicensed home inspectors.

Other ways you can determine a legal termite and WDO inspector:

  • Ask to see the technician's ID card. It should have “State of Florida, Department of Agriculture and Consumer Services” printed at the top.

  • Check the FDACS website to verify that you are dealing with a licensed pest control company or to see if your inspector has a valid ID card. Go to, then go to "Licensed Pesticide Applicator Search."

  • Call the FDACS Bureau of Entomology and Pest Control at (850) 617-7997 if you have any questions.

How was this fraudulent practice uncovered?

Real estate transactions typically require the completion of Form 13645, the Wood Destroying Organism Inspection Report. FDACS was alerted to the fraudulent practice after a buyer completed the transaction, moved in, and found several areas with WDO significant damage, not reported on the final inspection report. Since the purchase was complete, the buyer was left to either repair it at his cost or try and sue, another cost. As per procedure, FDACS investigated the complaint and uncovered the fraudulent WDO inspectors. Keep informed. Don't become a victim of illegal business practices.

Additional Information


Table 1. 

Comparison of the Scope of the Termite and WDO Inspection Versus a Typical Home Inspection in Regard to Regulation.


Termite and WDO Inspection

Home Inspection


Report visible and accessible WDO and/or damage. [26 March 2013]

Report on accessible systems and components which are "significantly deficient or at the end of their service lives." [September 2011]

Who can do the inspection?

Licensed pest control operators or their employees with "WDO inspector" endorsement on their ID card.

Licensed inspectors according to FS 468.8313 and FS 468.8814

Professional Liability Insurance Required?

Yes, for "errors and omissions" (E&O) and "general liability" (GL). Company must have a net worth over $100,000 or carry a minimum of $50,000 insurance for E&O (FS 482.226(8)). There are other insurance requirements as well. (See FS 482.071(4) details.)

A home inspector must maintain a commercial general liability insurance policy in an amount not less than $300,000. (See FS 468.8322.)

Regulated by:

Dept. of Agriculture and Consumer Services, FS 482 and Chapter 5E-14 of Florida Administrative Code.

The Department of Business and Professional Regulation, FS 468.83.



This document is ENY-2005 (IN629), one of a series of the Department of Entomology and Nematology, Florida Cooperative Extension Service, Institute of Food and Agricultural Sciences, University of Florida. Date first published: July 2005. Revised: April 2011. Please visit the EDIS Website at


Faith M. Oi, assistant Extension scientist, Department of Entomology and Nematology; Paul Mitola, Environmental Specialist II, DACS, Bureau of Entomology and Pest Control, and Kathleen Ruppert, Extension scientist, Program for Resource Efficient Communities; Michael Page, Bureau Chief, DACS, Entomology and Pest Control; and Mark Ruff, Esq, Alvarez, Sambol and Winthrop, PA, Cooperative Extension Service, Institute of Food and Agricultural Sciences, University of Florida, Gainesville, FL 32611.

The Institute of Food and Agricultural Sciences (IFAS) is an Equal Opportunity Institution authorized to provide research, educational information and other services only to individuals and institutions that function with non-discrimination with respect to race, creed, color, religion, age, disability, sex, sexual orientation, marital status, national origin, political opinions or affiliations. For more information on obtaining other UF/IFAS Extension publications, contact your county's UF/IFAS Extension office.

U.S. Department of Agriculture, UF/IFAS Extension Service, University of Florida, IFAS, Florida A & M University Cooperative Extension Program, and Boards of County Commissioners Cooperating. Nick T. Place, dean for UF/IFAS Extension.