Buying or selling a home? Find out which inspections you actually need.
Free checkers, real costs, and who pays — explained in plain English.
✓ Reviewed June 23, 2026 · sourced from VA, EPA, FL OIR, Citizens & state agenciesDifferent homes and loans trigger different required inspections. Termite/WDO reports are required for most VA loans (and many sales); a Florida 4-point + wind mitigation is required by insurers on older homes. Use a checker below to see what applies to you.
Pick your inspection
Do you need a termite (WDO) inspection?
Required for most VA loans and many home sales. Cost, who pays, the clearance letter — plus a free checker.
Open checker →Do you need a 4-point inspection in Florida?
Insurer-required for older homes (Citizens: 20+ yrs). Plus how wind mitigation cuts your premium.
Open checker →Why this site
Inspection rules change by state, lender and insurer — and the answer to "do I even need one?" is usually buried. We give a straight verdict per situation and city, with the cost and the official source, so you can act without digging through fine print.