Some banks, particularly FHA or any government loan, might require a "wood destroying insect" inspection. This includes termites, carpenter bees, carpenter ants, and powder post beetles; those are the biggies. As a buyer, regardless of whether the bank requires it, YOU should require it! However, no one else can "require" you get one but (in my area) for $100-$150 is a VERY good investment! Hope this helps you out!
Licensed Associate Broker
White Plains, NY