Pest Control And Home Insurance – Termites are very small, but they can cause a lot of damage to your home. Termite damage or removal is generally not covered by homeowners insurance policies.
Homeowners are responsible for regular maintenance of the home. Termite infestations can usually be prevented by performing thorough routine home maintenance. We recommend checking your policy or calling your insurance agent for clarity.
Pest Control And Home Insurance
Nationwide Insurance Company states: “Homeowners insurance is designed to cover accidental and sudden risks and damages. As any pest control company will tell you, termites are not a sudden phenomenon. At first, they may not realize that they share your home, but as long as you continue to provide them with food and water, they will stay. The costs of removing termites and repairing damage are generally not covered by homeowner’s insurance. Insurance companies generally do not sell termite coverage, but some pest control companies offer annual inspection and treatment plans. Before purchasing a home, you should have it inspected for termites. If there is termite damage, you may be able to renegotiate the price of the home or ask the seller to repair the damage before you finalize the purchase. “It’s easier to set up a tent and fumigate the house before you move in.”
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Allstate Insurance Company reports: “According to the National Pest Management Association, termites cause more than $5 billion in property damage each year.” And while termite damage can be a very real threat to your home, you should know that termite damage is generally not covered by homeowners insurance policies. This is because standard homeowners insurance provides coverage for sudden and accidental hazards, not for termites or other pest infestations that can be prevented through home maintenance. Termite damage is generally not covered by homeowners insurance policies, but your local agent may be able to talk to you about other ways to help protect the people and things that matter most to you.
“Standard homeowners policies typically do not cover damage caused by termites and insects. However, there may be certain circumstances in which you may be entitled to some compensation. There are two situations in which homeowners insurance may cover termite damage within the policy limits:
However, in most cases, homeowners insurance does not cover damage caused by termites or other pests, insects, or vermin. Termites differ from other commonly discussed dangers in that they are considered preventable. an unstoppable tornado; It can prevent termites from rotting the structure of your house. This includes damage to the structure of your home, as well as your personal belongings,” explains ValuePenguin.
“MSN Money and the Termite Institute say that most insurance companies do not cover damage caused by termite infestations. Some policies call this wood destructive insect damage. The reason is simple. Insurance companies believe that termites are preventable. This means that insurance companies consider termites to be a maintenance problem. “In general, most policies do not cover what are considered maintenance issues and are more likely to cover damage that is considered accidental,” says SF Gate.
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Choose Proactive Pest Control for professional, comprehensive, guaranteed pest and lawn care. The experts at Proactive will work diligently to earn your trust and complete satisfaction. Call 770-800-PEST today to schedule a free inspection and evaluation of your home or business. Or contact us for a free consultation. Let us show you why Proactive Pest Control is your first choice for pest, termite, and lawn services in Northeast Georgia. Currently, Georgia ranks in the top nine states nationwide in terms of termite damages and claims. It is estimated that termites cause more than $5 billion in damage annually, more than fires, floods, and storms combined! Termites eat non-stop 24 hours a day, 7 days a week, 365 days a year. Because termites pose a serious threat to our homes and businesses, our insurance policies ensure that damage caused by these wood-eating pests is covered. Yeah? Unfortunately, the answer is no!
Insurance companies do not cover damage caused by termite or wood-destroying insect infestations. Insurance companies believe that termites are preventable. This means that insurance companies consider termites to be a maintenance problem. In general, most policies do not cover what are considered maintenance issues.
Homeowners insurance does not cover damage caused by termites, but there are ways to protect yourself. You can purchase a termite bond, which is essentially a specific type of insurance policy that you take out with a pest control company.
When you contact a pest/termite company, the first thing that usually happens is that they come to your home for a full inspection. The inspection will show if your home has termites and no termite damage, or if there are no active termites but old termite damage, or even if your home has active termites as well as damage.
Pest Control Specialists For Your Residential Property
After inspecting your home, the next step is to treat it. Termite treatment is designed to be performed as a preventive measure. Unfortunately, some people do not perform termite treatment until it is too late and significant damage has already been done.
There are two types of bonds or guarantees in Georgia: One of them is the “Repair and Recovery” guarantee and the other is the “Repair and Recovery” guarantee. The condition of your home determines which home you are eligible for. If you live in an older home that has never been treated for termites, is in poor condition, has moisture problems, and has active termites, you will likely only qualify for a “take back only” warranty. This means that if you have termites in your home, the termite company will intervene and retreat to the affected area, but you will not have to pay for any additional damage to your home.
On the other hand, if you don’t have many problems, have received termite treatments before, and live in a home where there is minimal or no termite activity, you probably qualify for a “fix and remove” warranty. Like other warranties, this particular warranty covers removal of the affected area if termites appear. This warranty also covers costs incurred in case of repairs/damages.
For most people, a home is the most important investment they can make. If termites are such a serious threat, do you really want to leave your biggest asset unprotected? Treat your home for termites before it’s too late. It’s much better to spend a little now than a lot later!
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Typically, for homeowners insurance, termite damage is considered an issue related to lack of maintenance along with general wear and tear and damage caused by termites, rodents, or other pests. However, if mold appears in your home due to a cause covered by your insurance, such as a burst pipe, the cost of mold removal may be covered.
At Proactive Pest and Lawn, we offer pest control, termite control, mosquito removal, fire ant treatment control, flea and tick control, and landscaping services. All of our plans are designed around your unique needs, focusing on the safety of your family, your pets, your home, your business, and your environment. We offer free consultations to discuss your specific requirements.
Choose Proactive Pest and Lawn for professional, comprehensive, guaranteed pest and lawn care. The experts at Proactive will work diligently to earn your trust and complete satisfaction. Our lawn service and pest prevention area is located in Northeast Georgia and includes Athens, Braselton, Buford, Dacula, Jefferson, Lawrenceville, and Winder. Call us today at 770-800-PEST to schedule a free inspection and evaluation of your home or business. Or contact us for a free consultation. Let us tell you why Proactive Pest and Lawn is the #1 choice for pest, termite, and lawn care in Northeast Georgia. Partner Content: This content is produced by Dow Jones business partners, independent of the newsroom. We may earn a commission through links in this article. Learn more
Written by Sarah Horvath Written by Sarah Horvath Author Sarah Horvath is one of the most successful writers in the home services industry. Her areas of expertise include writing about home warranties, insurance, home improvement, and home finance. You can find her work published through distributors such as HouseMethod, Architectural Digest, Good Housekeeping and more. When she is not writing, she enjoys spending time with her fiancé and her lover at her Orlando home.
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Editor Tori Addison Editor Tori Addison Editor Tori Addison is an editor with over 5 years of experience in the digital marketing industry. Her experience includes communications and marketing roles in the academic, government, and nonprofit sectors. A journalist by training, she began her career covering politics and news in New York’s Hudson Valley. Her work included coverage of state and local budgets, federal tax regulations, and health care legislation.
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