The U.S. Department of Housing and Urban Development can help people to ensure their homes are safe. The department assists homebuyers in some situations. If you are working with HUD, you may have to undergo a termite inspection for your property.
According to the National Pest Management Association, inspecting existing properties is important due to the damage termites can do over time. HUD has policies pertaining to when a termite inspection is a requirement, specifically the department notes four situations that will trigger an inspection.
If there are signs that an infestation is currently happening, then this triggers an inspection. The appraiser should look for obvious things that indicate the home has termites currently active within structures and around the property.
Alabama is a known area in which termites are a problem, so it is highly likely that HUD will require an inspection. You can check with the local office to see if you live in a customary area where termite inspections are a regular course of business.
If the local or state law requires termite inspections, then you must have one done for HUD. You can check the laws in your areas prior to buying.
Some lenders will always require a termite inspection. You will likely have to have it done as part of the mortgage agreement. While you certainly can refuse, it may mean the lender will not work with you. Make sure to read all your documentation from the lender to check for this requirement.
Getting a termite inspection is generally a good idea because you usually are unaware of their presence until extensive damage is done. You can save yourself a lot of time, money and headaches by having an inspection at the time of purchase.