Why is the pest report so important? Most lenders require you to show that the property has no Section I damage before they will agree to make a loan on the property. This is called "the clearance." If the inspector finds no Section I damage the report will include the statement that "this property is clear of ..." If the inspector does find Section I damage, the repairs are made, the inspector comes out again to verify the repairs and then issues a report which says there is no damage. This report is called the "clearance."

Each finding listed in the report is followed by a recommendation from the inspector. The report will title each recommendation with one of 5 titles: Section I, Section II, Further Inspection, Information or Consult Other Trade.

Section I means "Damage has occurred, corrective action is needed" -- there is evidence of active infestation or infection damage that has resulted in or from infestation or infection. Typically sellers are responsible for correcting these items.

Section II means "Damage can be expected in the future, but with corrective action it can be prevented" - there is a condition that is likely to lead to infestation or infection but no visible evidence was found as of the time of the report. Typically, buyers agree to assume responsibility for Section II repairs, although there is no requirement that these be completed within any particular time frame.

Further Inspections means "there may be damage but it is not readily visible" - To verify whether or not there is damage will require opening a wall, lifting a floor, moving the current occupant's personal belongings, etc. You can request that the further inspection be done, for an additional fee, and a supplemental report will be issued. Who pays for the further inspection is typically handled as follows: If no Section I damage is found, the buyer pays. If Section I damage is found, the seller pays for the inspection and for the repairs.

Information - the item is noted for your information only. These are typically reminders as to future preventative maintenance which you should take.