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My advice is yes, get a wood destroying insect inspection. A seller may want to have one done when they list their home for sale. In Elkhart County it is generally listed on the purchase agreement as a buyer obligation & expense. Why wait until after you are under contract to find out you have termites and take a change that the buyer may refuse to close? It's a $50.00 bill well spent in my opinion.
And for the buyer, just because the lender tells you they don't need a termite inspection, you do in my book!
Termites are social insects which live in large colonies. There are three castes: reproductives, workers, and soldiers. Termite antennae have bead-like segments. The winged reproductives (swarmers) have a pair of long wings (equal in size) attached to the last two thoracic segments. The wings are broken off after swarming. The abdomen is broadly joined at the thorax unlike the narrow abdominal attachment found on ants.
The winged reproductives are dark brown to almost black and about 3/8-inch long. The wings are brownish gray with a few hairs and two dark veins on the leading edge. They have a very small pore (i.e., fontanelle) on their heads. The soldiers are wingless with white bodies, rectangular yellow-brown heads which are two times longer than their width, and large mandibles which lack teeth.
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