As a licensed Washington State, Structural Pest Inspector I am always on the lookout for wood destroying insects, wood decay/rot and conditions conducive to these organisms.
Any inspector that looked at the following picture and dismissed it off hand, without taking a closer look, might be ignoring an infestation of Anobiid Beetles—especially given what looks like the characteristic “shotgun” like holes present above the tan frass visible on the woodwork. It also mimics Carpenter Ant Frass from a distance--but I could find no location where the sawdust was being kicked out and the particles were just too small.
Upon closer look, the black dots were not holes at all but merely some sort of fungal growth—perhaps “Artillery Fungus” that is very common on homes with landscaping beauty-bark. Here is a picture taken at a different house where the material did turn out to be carpenter ants.
The "frass" even felt like beetle frass but it turned out to not have anything to do with beetles or Carpenter Ants after all.
The nearby ferns were shedding their spores on the ledge and therefore of no concern to a Home Inspector---well except for the general recommendation that all vegetation be properly maintained away from the home.
Charles Buell, Real Estate Inspections in Seattle
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WA State, Home Inspector Advisory Licensing Board