A wood-destroying organism (WDO) means an arthropod or plant life which damages and can reinfest seasoned wood in a structure. Florida homeowners are subject to damage by several types of wood destroying insects and organisms.
The Florida Department of Agriculture and Consumer Services (FDACS) recognizes the following organisms as “wood destroying”:
When obtaining a mortgage or a mortgage guarantee to finance the purchase of a home, You most likely will be required to obtain a WDO inspection by the bank, the mortgage company, or the guarantor (FHA, VA, HUD, etc.).