There is a “known infestations” must be treated clause in the terms and conditions. If you don’t see an infestation you can provide them with the registration to receive the 90-day agreement.
If there is evidence of an infestation you should recommend they have a pest control company provide them with another inspection and treatment. When you have not seen an infestation you can provide them with a 90-day service warranty and then we will offer them an annual agreement. Most pest inspections cost between $50 and $150, so you are saving your customer money with your inspection and our warranty. s. smith
What went down fast?
If he has a home inspection that did not see the evidence of an infestation and he was issued the 90-day coverage, he would be covered. S. Smith
Anyone can visually see if a house has evidence of termites. You don’t have to put it in writing if you don’t see anything. Issue the 90 day service warranty and save the buyer the expense of a termite inspection. If they have an inspection anyway and a company finds evidence, we are going to verify it was not a known infestation before we approve the treatment. You only have to be licensed if you are recommending or treating with chemicals.
Termite Inspection Guidelines For Mortgage Loans
"FHA and VA the rules have changed over the years. At one time both FHA and VA Loans had to have a Pest Inspection with every loan.
However, FHA no longer requires a Pest Inspection with every loan, and only requires one if the Appraiser feels that there might be signs of active infestation, if the property is ground level, or if the property has wood touching the ground. At that point a Pest Inspection needs to be ordered, and it can be paid by anyone, as well as the treatment if treatment is required.
VA on the other hand still requires a Pest Inspection with every loan, whether the Appraiser identifies active infestation or not. VA also has one other difference from FHA. VA REQUIRES the Seller to pay for the Pest Inspection, BUT if treatment is required anyone can pay for it."
I strongly encourage all of my competitors in Missouri to provide this warranty to their clients.
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My competitors in NJ too!
Not true in Ohio. I am licensed by the Ohio Dept. of Agriculture as an “Inspector” for WDI, not as an Applicator of pesticides. The Ohio Department of Agriculture requires anyone who looks for or reports on the presence, absence or damage cause by WDI to be licensed in categories 12 & core.
My license as viewed online - Ohio Department of Agriculture
Steve, you may want to give the Ohio Department of Agriculture a call.
Same type of setup for MO. And no I won’t be offering this warranty. I want nothing to do with the WDO business.
Not 100% true. From the VA. The VA requires one depending on the Zone in which they are located. Latest chart. Now of course you are in one of those zones as is Kevin, so it would be required.
I do a lot of inspections for active military and retired military due to the proximity of all the major bases in WA. I only had 1 request in the last 2 years by a lender (USSA). And the kicker is it was new construction that was just in final cleaning as the inspection was going on.
Sorry to hear it. You may have to be licensed in some states to produce a WDO or WDI report. We do not require either of these reports to offer the 90-day service warranty. If you are licensed to inspect for termites you are well aware there are areas not accessble to inspection. If you are licensed to inspect but not treat, what happens when the client finds a problem after the inspection? Either you do not stand behind the inspection very long or you have disclaimers you hope will keep you from liability. Why not just provide them with a 90-Day service agreement by a third party (me) that holds you harmless?
Washington State is not a high termite activity state, in fact it is low on activity. See the infestation map at www.serviceaccess.com, most activity is below the Mason Dixon line. Why take the chance, just give them the 90-Day service warranty and let them decide if they want to keep the coverage down the road.
What kind of coverage do they get in the 90 days as far as payouts? Is it just the cost of the treatment? Also, is there any deductible during the 90 days?
Stephen, Correct me if I’m wrong.
For an “InterNachi Inspectors Client” to receive the “90 day Service Warranty” you are requiring the “InterNachi Inspector” to provide you with information to the effect that a property does or doesn’t have a Termite infestation - http://www.serviceaccess.com/internachi/
In Ohio, for a Real Estate transaction, you must be licensed to provide that information, written or otherwise.
If an inspector misses Termite damage or an infestation, are you saying your 90 day service agreement will alleviate all liability from the Inspector?
The state of Ohio requires the NPMA-33 form be filled out for a WDI inspection for Real Estate transactions. The scope & limitations of the inspection are on page 2.
Here like many states it requires a separate license and report for a termite inspection. I don’t know how many times agents skip a termite inspection and wait for the home inspector to comment on if they see anything that might lead them to believe there is a possibility of a termite problem. I do see some value to this service but we have carpenter ants here and they have been a bigger problem here than termites this year. Also will Stephen and his company assist when a home inspector gets questioned by someone in the states that require a license about what is being offered and does it violate any laws?
Why not just skip supplying it on every inspection and only use it in marketing to boost your WDI inspections. “when you purchase a termite inspection with your home inspection, we’ll supply a free 90 day termite warranty”
Read through an NPMA -33 … and then, consider the possible ramifications from offering a “free 90 day termite warranty” with it.
If you are not completing a NPMA form, you are not regulated by the Dept. of Ag. that regulates the NPMA.
The ServiceAccess service agreement provides coverage for treatments after a $100 deductible. We are asking the buyer to register for the 90-Day Free service warranty so we can offer them a annual agreement at the end of the Free coverage.
Pest control companies only offer a renewal if they have treated the home first. We do not require that treatment. With so many foreclosed homes on the market that do not have a termite contract our service agreement is a money saving deal for the buyer.
This is not complicated, most homes being sold do not have a current termite problem. Termites are not covered by insurance or home warranties, therefore you can offer something that saves the buyer money and peace of mind knowing they can continue the coverage in the future. Hope this helps.