Is Termite Treatment Covered by Insurance in the North and East Bay?
Unfortunately, it’s very unlikely to find homeowners insurance that covers termite treatment or any termite-related damages.
Just as insurance typically does not cover damage caused by termites, it almost never covers termite treatment. Homeowners insurance works to protect you from costs related to property damage, but only when that damage was accidental or not preventable. As disappointing as this may seem, it doesn’t mean you can’t make other arrangements. Termite bonds are a special type of insurance policy you enter into with a pest control company wherein your home will be inspected and treated for termites on a regular basis
Why Doesn’t Insurance Cover Termites?
Insurance agencies very rarely recognize termite-related problems in their policies because they consider termites to be preventable. Termite destruction happens slowly and over time rather than suddenly, which is typically the case if your home were to get damaged by a fire or storm. Although your insurance will most likely not cover preventative termite treatment, you should not let that stop you from investing in regular service. The cost of paying for preventative termite services is far less than the expenses involved in fixing termite damage.
Who Pays for Treatments When Buying or Selling a Home?
If you’re buying a home with a history of termites, you may be wondering who is responsible for all of the costs involved of treating active termites or preventing new ones.
- In almost every state in the county, the seller of the home must pay for termite inspections.
- When termite activity is found, no matter whether it’s past or present, the seller is often also responsible for covering treatment either up-front or within closing costs.
- However, the home buyer is most often responsible for anything considered to be termite prevention.
Are Termite Bonds a Good Alternative?
If your insurance company will not cover the expenses of termite treatment, it may be smart to consider the benefits of entering a termite bond with a professional pest control company. Termite bonds are a form of insurance that works to protect you from the costs of treating infestations by regularly inspecting your property for activity. In most termite bonds, the pest control company will pay for any damage caused by termites. The hope is that with regular treatment and prevention made possible by the termite bond, termite infestations will not become an issue!