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The $64,000 question is: Is there recent movement between the 2 masses? Is that movement detrimental or not?
I'd find out more about the cold joint. Find out from the Inspector what 'actions' you can/should take to mitigate future termite damage w/regards to the joint. Improved drainage, landscaping, air, AND sunlight, any/all of which, if sufficiently altered, will deter termites. (The more you can impove in ALL these areas, the better.)
Of course, you can walk away if you're not satisfied. My best to ya and hope this helps.
Jay J -Moderator
PS: God Bless America!