"Wood Destroying Organisms" specifically means arthropod or plant life which damages and can re-infest seasoned wood in a structure, namely, termites, powder-post beetles, old house borers, and wood decaying fungi.

Termite Fast Facts:

Termites are great survivors and have existed for 250 million years.

Termites live throughout the United States, but the warm southern and coastal areas are most favored by termites.

Termites are a costly nuisance for property owners but in nature they serve the vital function of helping break down dead plant material and thus returning nutrients to the soil.

Termites are tough, determined, and highly efficient pests. Chances are you'll see no evidence of their work until structural damage has been done.