Closing on a home? The Bug Boss provides NPMA-33 Wood Destroying Insect Inspection Reports for VA, FHA, and USDA loans across the Indianapolis metro. Family-owned for 25+ years, fully licensed, and used to working on real-estate timelines — we schedule around your closing date.
"Quick and to the point. I needed this for a refinance on my VA loan. I had a busy week coming up and then vacation the next week so he came that evening."
If your lender asked for one and you're not sure what it is, here's the plain version.
A WDI report is the NPMA-33 — short for the National Pest Management Association's Wood Destroying Insect Inspection Report. It's a standardized form a licensed inspector completes and signs after visually inspecting a home for wood-destroying organisms. Lenders use it to confirm the property isn't being eaten out from under the loan they're about to write.
During the inspection we check the accessible interior and exterior of the structure for evidence of past or present activity, plus the conditions that invite it — moisture, wood-to-soil contact, and the like. The findings, and any recommendations, go on the signed form that's delivered to whoever needs it.
A complete WDI inspection looks for all six categories of wood-destroying organisms — naming every one of them is how you know the inspection was thorough:
Often it's the lender that decides — but it can also come up through your purchase contract or your agent's due diligence.
By loan type. VA loans require an NPMA-33 in most cases when the property is in a state where termite activity is moderate to heavy — and Indiana is squarely in that zone. FHA loans require it when the appraiser flags evidence of infestation or when the local HUD office requires it for the area. USDA Rural Development loans typically require one for any property where wood-destroying organisms are a concern.
By scenario. Most often the report is required as a condition of loan approval before closing. Sometimes it's required during the inspection period of a purchase contract regardless of loan type. And sometimes a buyer's agent simply orders one as a precaution, for due diligence on the buyer's behalf.
Not sure whether yours requires one? Call us at (317) 490-2151 — we talk to buyers, agents, and loan officers about this every week and can usually tell you in a couple of minutes.
Straightforward, and built around your closing date.
WDI inspections are priced per property — call for a fast, clear quote you can fold right into your closing costs. No upsells, no surprises.
Call (317) 490-2151 for a QuoteWe work directly with real estate agents and loan officers. Once an inspection is complete, the signed NPMA-33 is emailed straight to the closing parties — no chasing us down for paperwork while the clock runs on a closing.
If you place WDI inspections regularly, let's set up a simple referral relationship: one trusted provider, a predictable price you can quote your clients, reports sent directly to closing, and a clear upgrade path for the buyers whose inspections come back with infestation evidence. Call (317) 490-2151 or send the form below and we'll get you set up.
Family-owned and locally operated, The Bug Boss provides WDI inspections for home purchases across Central Indiana.
If your inspection turns up an active infestation, we handle the treatment too — and we keep Indianapolis homes pest-free year-round.
Inspection, bait stations, and perimeter treatment to eliminate an active termite infestation and protect your home's structure.
Learn more →Year-round protection from ants, roaches, spiders, and the other household pests common in Indiana homes.
Learn more →Discreet, documented pest management for Indianapolis offices, restaurants, and warehouses.
Learn more →Tell us your closing date and we'll work to fit your window. For the fastest scheduling, call us directly at (317) 490-2151.