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In South Carolina, a CL-100 (Wood Infestation Report) is one of the most important inspections a buyer can request—and in many cases, lenders will require it. Here’s why it matters:
🐜 1. Detects Termites & Other Wood-Destroying Organisms
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Termites
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Powderpost beetles
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Wood-decaying fungi
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Carpenter ants
These issues are extremely common in the Southeast due to humidity—and they can cause serious structural damage that isn’t always visible during a general home inspection.
💰 2. Protects Buyers from Costly Surprises
Termite or moisture damage can cost thousands to repair—especially if structural beams, subfloors, or framing are affected.
A CL-100:
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Identifies active infestations
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Shows past damage
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Flags conditions that could lead to future problems
This gives buyers leverage to:
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Request repairs
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Negotiate price reductions
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Walk away if needed
🏦 3. Often Required by Lenders (Especially VA Loans)
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VA loans almost always require a CL-100
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Some conventional lenders may require it depending on the property
No CL-100 = potential delays or inability to close.
🌧️ 4. Highlights Moisture Issues (Huge in SC)
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High humidity
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Standing water
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Poor ventilation
A CL-100 will call out:
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Moisture intrusion
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Lack of vapor barriers
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Conditions conducive to rot and infestation
📝 5. Required for Closing in Many Transactions
In SC, it’s common for contracts to require:
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A clear CL-100 (or repairs completed prior to closing)
If issues are found:
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They must be treated and/or repaired
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A re-inspection is usually needed
⚖️ 6. Protects You Legally & Logistically
Having a CL-100:
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Documents the property condition at closing
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Helps avoid disputes after the sale
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Shows due diligence on the buyer’s part
Bottom Line
A CL-100 isn’t just “another inspection”—in South Carolina, it’s essential protection against hidden damage, moisture problems, and deal-breaking surprises.
