A one-page reference for North Carolina real estate agents. Where the WDIR-100 fits in the closing sequence, what it covers, and what a positive box actually means. Keep this open on your phone at closing.
What is the WDIR-100?
The WDIR-100 (Wood-Destroying Insect Information Report) is North Carolina’s official form for reporting wood-destroying-insect observations during a real-estate transaction. It is adopted by the NC Structural Pest Control Committee and administered by the NC Department of Agriculture & Consumer Services (NCDA&CS), Structural Pest Control & Pesticides Division. It is the only legal form for this purpose on NC residential transactions — NC uses the WDIR-100, not the national NPMA-33.
When is it commonly ordered?
Usually right after due diligence begins and alongside the general home inspection. Cash sales are not required by NC statute to obtain one, but most lenders — including all VA-guaranteed purchases in NC and many conventional programs — require a current WDIR-100 before clear-to-close. FHA does not automatically require one; the FHA appraiser triggers the requirement when signs are visible during the appraisal.
Who is authorized to perform it?
Only individuals licensed under NC’s Structural Pest Control Act with the W-phase credential (wood-destroying organisms) — issued by NCDA&CS — may complete and sign a WDIR-100. This is a separate license from the NC Home Inspector Licensure Board (NCHILB) license held by home inspectors. A home inspector without a W-phase credential can note wood damage in a home-inspection report, but cannot issue the WDIR-100.
What does the WDIR-100 cover?
The form addresses evidence of wood-destroying insects and conditions conducive to them:
- Subterranean termites (the NC native complex)
- Powder-post beetles and other re-infesting wood-boring beetles
- Old-house borers
- Carpenter ants
- Carpenter bees
The inspection is a careful visual examination of accessible areas plus sounding of accessible structural members. It is a snapshot in time — condition observed on the inspection day.
What does it NOT cover — and what does a positive box NOT mean?
- Not wood-decay fungi, general moisture damage, structural-integrity assessment, plumbing, HVAC, or electrical scope — those live on the general home-inspection report or elsewhere.
- Not a warranty. It does not guarantee future absence of insects or damage.
- Not a diagnosis of active infestation with certainty. Visible evidence (mud tubes, exit holes, frass, damaged wood) is a documented observation on inspection day.
- Not a treatment prescription. The form documents; a licensed pest-control operator quotes and treats.
Where it fits in a typical NC closing sequence
Offer accepted → due diligence begins → WDIR-100 ordered (usually with the general inspection) → report issued → results shared with buyer, both agents, and lender → if evidence is found, buyer requests a treatment quote from a separate NC-licensed pest-control operator → treatment (if negotiated) and clearance letter → underwriter clears → closing.
Report validity
The WDIR-100 reflects conditions on the inspection day. Industry-standard validity is 30 days from inspection — beyond that, lenders typically require a new report or a written recertification from the original inspector. Individual loan programs may set their own currency requirements. Consult your loan officer for the specific window that applies to your transaction.
What an agent should do when findings are reported
- Read the report before you translate it for your buyer. “Previous evidence” and “active evidence” are different findings with different implications.
- Refer the buyer to a separate NC-licensed pest-control operator for a treatment quote if any active evidence is documented — the WDIR-100 inspector does not treat.
- Negotiate treatment and repair per the purchase contract; NC has no statutory mandatory treatment window for real-estate transactions.
- Confirm with the lender whether a clearance letter is required before close (VA loans typically require one when active infestation was documented).
How Home Spectors helps
Home Spectors is a family-owned home-inspection firm serving the Triad since 2007 with 35,000+ inspections on the books. We perform termite and wood-destroying-insect inspections alongside our home-inspection work in Greensboro, Winston-Salem, High Point, Kernersville, and surrounding areas. If your transaction needs a WDIR-100, ask us on the scoping call and we will confirm the deliverable and the schedule. Home Spectors does not sell termite treatment — if evidence is documented, you retain the ability to obtain treatment quotes from any NC-licensed pest-control provider.
Home Spectors · (336) 382-7269 · homespectors.com
This reference is educational and is not legal advice. The WDIR-100 report reflects conditions observed on the inspection day. Lender and transaction requirements vary — consult your loan officer for the specific validity window and any clearance-letter requirement that applies to your transaction. Regulatory citations: N.C. Gen. Stat. § 106-65.22 et seq. (Structural Pest Control Act); NC Department of Agriculture & Consumer Services, Structural Pest Control & Pesticides Division; VA Circular 26-22-11.
