Ask the Exterminator
Does homeowners insurance cover termite damage?
Does homeowners insurancecover termite damage?
Many homeowners have found out after it is too late that their homeowners insurance does not cover termite damage. The homeowner is responsible for all damages that occur due to termite infestation. Pest management is the best way to protect your home. Keeping termites out of your home is the only way to protect yourself. Termite damage runs into the billions of dollars every year. What people do not understand is that prevention would cut these costs in half if not eliminate them completely. If you have a pest control company inspect the exterior and interior of your home and give you tips on prevention, you can save yourself aggravation and thousands of dollars.
If you have an infestation, you should take proper care of the problem. Termites are nothing that a homeowner can tackle by himself. The proper pesticides are needed as well as the proper method of elimination. Since homeowners insurance does not cover any termite damage, you need to make sure your home is safe and free of the pest. You might not see any termite action, but that does not mean they are not there. Contacting a licensed and experienced exterminator for a home inspection is the only way to see if you have a potentially dangerous situation.
A homeowner needs to find exterminators that are insured to protect their homes as well. If you have a company come to your home and inspect for termite regularity and they say that you have no termites, you need some assurance that you are protected in case they were wrong and you have an infestation of termites. This is the only insurance that can protect you and maybe pay for any damage. However, you do need a guarantee and a signed contract. You also have to follow the contract to the letter and do everything it says.
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