Termites vs. Dry Rot

Fungal vs. insect damage: wood condition and remediation differences.

TL;DR: Termite damage is hollow galleries with mud lining. Dry rot is soft, crumbly, discolored fungal damage. Different causes, different fixes. — Early warning signs or call (833) 404-3632.

5 Key Differences

Cause: Termites are insects that eat wood. Dry rot is fungal decay caused by moisture.
Wood texture: Termite damage is hollow but structurally intact. Dry rot is soft, mushy, and crumbly.
Mud lining: Termite galleries have mud lining. Dry rot has no mud, just fungal growth.
Smell: Dry rot smells musty or moldy. Termite damage has no distinctive smell.
Treatment: Termites require pest control. Dry rot requires moisture control and wood replacement.

Detailed Comparison

Feature Termite Damage Dry Rot
Cause Insect (termite) activity Fungal decay (moisture-related)
Wood texture Hollow but structurally intact Soft, mushy, crumbly
Galleries/tunnels Hollow galleries with mud lining No galleries, wood breaks apart
Discoloration May appear normal or slightly darkened Dark stains, obvious discoloration
Smell No distinctive smell Musty, moldy smell
Visible insects Termites may be visible in mud tubes No insects, fungal growth visible
Moisture requirement Attracted to moisture but don't require it Requires high moisture to develop
Treatment Pest control + barrier treatment Moisture control + wood replacement

Visual Identification Tips

Touch Test

Termite damage: Hollow sound when tapped. Wood is intact but hollowed inside. Doesn't crumble easily.

Dry rot: Soft, spongy feel. Crumbles or breaks easily when pressed. Mushy texture.

Visual Inspection

Termite damage: Look for mud tubes, pellet-like frass, hollow galleries with mud lining. Wood may appear normal externally.

Dry rot: Look for dark stains, discoloration, soft spots, fungal growth (white or black). Often near moisture sources.

Smell Test

Termite damage: No distinctive smell. May smell like soil if mud tubes present.

Dry rot: Musty, moldy smell. Often strong and obvious.

Important: Both Indicate Problems

Critical: Both termite damage and dry rot indicate structural problems. Dry rot indicates moisture issues. Moisture attracts termites. If you find one, inspect for the other and address the underlying cause.

Common Questions

Can I have both termite damage and dry rot?

Yes. Moisture attracts both termites and fungal growth. If you find one, inspect for the other. Both indicate moisture problems that need fixing.

What causes dry rot?

Dry rot is caused by fungal growth in wood with high moisture content. Despite the name, it requires moisture to develop. Poor ventilation, leaks, and water intrusion are common causes.

How do I treat dry rot?

1) Fix the moisture source (leaks, drainage, ventilation). 2) Remove affected wood. 3) Treat remaining wood with fungicide. 4) Improve ventilation. Professional assessment recommended.

Is dry rot covered by homeowners insurance?

Usually not. Most policies don't cover damage from moisture or poor maintenance. Termite damage is also typically not covered. Check your specific policy.

Can dry rot spread like termites?

Dry rot spreads through fungal growth, not like termite colonies. It spreads from moisture sources outward. Fixing moisture stops dry rot; treating termites stops insect activity.

Next Steps

If you've identified potential damage, consider these actions: