Is a carpenter bee plumber bee bumble bee or heater bee a type of wood destroying insect?

Yes. Yes. carpenter bees and bumble bees look similar, carpenter bees being a little bigger and bumbles being a little furrier. Carpenter bees will drill holes in wood, usually in doorways of barns or other out buildings to make homes for their babies. Bumblebees always make a home on the ground, usually in a nest of grass and clover, no wood drilling here.

The other 2 types of plumber and heater I haven't heard of, maybe someone else will know about them.