Maybe you’ve found your dream home—a beautiful historic Charleston single with sweeping porches, original woodwork, and a great view of the city through the antique glass windows. The inspection seems fine, and the sellers assure you everything is in great shape. But just before closing, the required CL-100 inspection reveals termite damage beneath the flooring. Now, the lender won’t approve the loan until the issue is fixed, delaying your purchase and adding unexpected costs.
The city’s warm, humid climate and historic homes make termite issues a common concern. That’s why the CL-100, also known as the South Carolina Wood Infestation Report (WIR), is required for any home sale involving a lender. This report ensures that the property is free from active termites, wood-decaying fungi, and other pests that can cause serious structural damage. Buxton & Collie, LLC, are here to help your Charleston real estate transactions go as smoothly as possible. Let’s look at the basics of a CL-100, and how legal guidance can help you make smart choices when buying or selling in the Lowcountry.
A CL-100 inspection is a detailed report from a licensed pest control professional that checks for signs of termite and wood-destroying insect damage. If you’re financing a home purchase, the lender will require this inspection before approving the loan. If the report finds active infestations or significant damage, those issues must be treated and repaired before closing.
For buyers, a “clear” CL-100 report means peace of mind that your home isn’t hiding costly pest damage. For sellers, having this inspection done in advance can prevent closing delays and make the sale process smoother.
A licensed pest inspector will check the home for:
If the inspector finds significant structural damage, they may recommend further evaluation by a licensed structural engineer. Any necessary repairs or pest treatments must be completed before the home can receive a clear CL-100 report, which is required to move forward with the sale.
Charleston and the surrounding Lowcountry are known for their historic homes, waterfront properties, and high humidity—all of which create the perfect conditions for termites. Even newer homes aren’t immune. If there’s wood-to-ground contact, poor drainage, or excessive moisture, termites can cause serious damage before you even notice a problem.
Because of these risks, lenders require CL-100 reports to protect buyers from inheriting costly damage. Without this inspection, a home purchase could turn into a financial headache.
Buying or selling a home in Charleston involves more than just inspections and paperwork—it requires a clear understanding of South Carolina real estate laws. In South Carolina, real estate attorneys are required to handle property closings, ensuring all legal documents are properly prepared, reviewed, and recorded. At Buxton & Collie, LLC, we assist buyers and sellers by:
Whether you’re buying or selling in Charleston, a CL-100 inspection is a key step in the process. At Buxton & Collie, LLC, we help clients through their real estate transactions to help ensure all inspections and legal requirements are met. Contact our team today by filling out our online form to learn more about how we can help you.
