Pest Control for VA Home Loan Buyers in Okaloosa County FL
If you're using a VA loan to buy a home in Okaloosa County, Florida, a wood-destroying organism (WDO) inspection is required before closing. Here's what that means, what it costs, and how to protect your new home from day one.
Why VA Loans Require Termite Inspections in Florida
VA lenders in Florida require a WDO inspection — also called a termite inspection — because Florida is one of the highest termite-risk states in the country. The inspection confirms the home doesn't have active termite infestations or significant prior damage that would compromise the structure.
In most cases, the seller pays for the inspection and any required treatment — but buyers should understand the results and what happens after closing.
What Happens If Termites Are Found Before Closing
If an active infestation is found, the VA will typically require treatment before the loan closes. The seller is usually responsible for the cost. Make sure treatment is completed by a licensed company (FL license starting with JB) and that documentation is provided to the lender.
What to Do After Closing — Protect Your Investment
A clear termite inspection at closing means no active infestation today — not that you're protected forever. NW Florida's termite pressure means new colonies can establish within months.
What we recommend for VA buyers in Okaloosa County:
- Install Sentricon bait stations immediately after closing for ongoing protection
- Set up quarterly general pest control to handle ants, roaches, palmetto bugs, and spiders
- Address any moisture issues under the home — termites follow water
- Schedule a rodent inspection if the home has crawl space or attic access
Why Sentricon Matters for New Homeowners
A one-time liquid treatment at closing protects you for 5–8 years at best. Sentricon provides continuous monitoring and colony elimination — the moment termites begin foraging around your home, the system goes to work. For a home you're planning to live in long-term, it's the smarter investment.
Cadenhead Services is a Certified Sentricon Specialist and has served military homebuyers in Crestview, Niceville, Fort Walton Beach, and surrounding areas for over 40 years. FL License JB365. No contracts.
Call (850) 682-4333 to schedule your post-closing termite protection before you unpack.
