Hi Ron,
We haven't had much trouble with insects - only fungus and rot. Have you had much experience with fungus or rot? We have our wood/property sprayed for insects regularly so that (thankfully) isn't an issue.
I should add that we did turn back one load of faulty wood but depended on the people we paid and trusted that they were providing us with what we paid for. As, I've said, we take responsibility for not making some good decisions and are ultimately paying the price only three years after our home was built. We're just looking for guidance in terms of not making similar mistakes and how to avoid this problem in future.