source:
  type: guide
  id: va-m26-7-ch12-t33
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 33 — Wood Destroying
    Insects/Fungus/Dry Rot
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 33 — Wood
    Destroying Insects/Fungus/Dry Rot.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch12-t33-full
  canonical_id: va-m26-7-ch12-t33-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 33 — Wood Destroying
    Insects/Fungus/Dry Rot
  type: do
  tags:
  - regulator-direct
  - va
  - va-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 33 — Wood
      Destroying Insects/Fungus/Dry Rot
    source_class: va-handbook
    source_url: https://www.benefits.va.gov/warms/pam26_7.asp
    snapshot_id: 824171a914866a59
    fetched_at: '2026-05-23T01:53:53Z'
    content_hash: sha256:71efd8bb39bb5596ad194f1b13e6f979cfa1afbf5566e897e26836fc1ab0429e
    paragraph_quote: '33. Wood Destroying Insects/Fungus/Dry Rot Change Date March
      28, 2019 • This chapter has been revised in its entirety. a. Apparent Damage
      Appraisers must report any apparent evidence of wood destroying insect infestation,
      fungus growth or dry rot. The appraisal must be prepared subject to a wood destroying
      insect inspection if any infestation or damage is apparent, and all damage must
      be repaired. b. Termite Infestation Probability Map If the property is located
      in an area on the Termite Infestation Probability Map where the probability
      of termite infestation is "very heavy" or "moderate to heavy" on origination
      appraisals, a wood destroying insect inspection report must be required on the
      NOV. USDA Forest Service Home and Garden Bulletin 64 (revised 2006) Continued
      on next page VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements
      12-41 33. Wood Destroying Insects/Fungus/Dry Rot, continued c. Local Requirements
      Webpage The specific borders for some of the zones are difficult to determine
      from this map. Additional information may be found on VA’s local requirements
      webpage (see Topic 1, Subsection h of this Chapter). d. Non- Residential Improvements
      Small sheds or other detached, non-residential improvements which were not given
      value on the appraisal report may be excluded from the inspection report. e.
      Requirements for Properties in Condominium Developments A termite inspection
      is not required on units in high-rise condominiums (units are stacked vertically).
      For villa and townhome style condominiums where units are side by side, not
      stacked, if located in a “very heavy” or “moderate to heavy” zone, a termite
      inspection must be required on the NOV unless the homeowners association provides
      evidence of treatment. VA Pamphlet 26-7, Revised Chapter 12: Minimum Property
      Requirements 12-42'
  judgment: false
