As a homeowner, you know that investing in homeowners insurance is one of the best ways to protect your home and your property. While the policy will cover many common threats and types of damage, it likely won't cover everything. And for most homeowners, this leaves them asking one key question: “Does my homeowner's insurance cover termite damage?" The answer isn't as simple as you might think.
Most home insurance policies won't cover termite damage
According to the National Association of Insurance Commissioners, because termite infestations are often considered preventable by routine maintenance, the cost to remove termites and repair any damage they cause is typically not covered by insurance policies. And according to Coverage.com, many insurance policies also have a clause excluding any damage cause by biological organisms including insects, arachnids and commensal rodents.
This is why it is crucial to have a termite control plan for your home. You can start with a free termite inspection. A termite control professional will inspect your home for signs of termites (like cracks in the home's foundation) or other damage to the home. Termite infestations are not easily detectable, especially to the untrained eye.
When considering purchasing a new home or protecting your current one, be sure to review your insurance policy carefully. The best thing you can do is review your policy with your insurance provider and see what incidents you're protected against.
If there's even a chance that your home has termites, or you want protection from future potential termite activity, start by scheduling a termite inspection. The inspector will be able to assess the risk factors on your property so you can get treatment for any existing termite problem or help prevent future infestations.
Benefits of professional Terminix® termite treatment
If left unchecked, termite damage and the costs to repair the damages can be overwhelming. And you shouldn't wait until you spot signs of termite damage to act, as termites can eat wood in your home and cause extensive damage long before you notice anything wrong.
In addition to helping avoid potentially costly repairs as a result of termite damage, there are additional benefits to employing a trusted termite control professional to inspect and treat your home for these pests.
We offer a variety of plans designed to suit your needs, including plans that focus solely on termite control, as well as plans that bundle regular services to provide coverage for termite control and protection from other common pests.
What you can expect from a professional termite inspection?
During the inspection, your termite control professional will look for signs of termites both inside your house and around your property. If they identify any signs of damage, they'll quickly assess the severity of the situation and determine if the damage is old or if you have an active infestation on your property.
If there is existing termite damage, the damage should first be evaluated by a building expert or building contractor. From there, a termite control professional can assess and determine a treatment plan.
Don't wait until it's too late to deal with a possible termite infestation in your home. Contact Terminix and schedule a free inspection today.