When you have a home, there are things you live in fear of: water damage, fire damage, wind damage. Really, “damage” is a scary thought to the place you live and the place you pay a lot for month in and month out. High on the list of worries—and topping it for many—are insects. They have a way of combining home fears with plain-old-everyday fears. Many of us have frightful images of termites eating homes and taking them down to dust in our favorite cartoon shows. And while they don’t work quite as quickly as the ten-second chomp down from the cartoons, termites are every bit as destructive as they’re made out to be.
So what happens if your fears come true and you’re forced to face termite damage in your home? Can you count on your home insurance to bail you out? The short—and unfortunate—answer is “no,” at least in the large majority of scenarios. You see, termites are regarded by insurance companies as “preventable.” You can contrast this type of hazard with something like a tornado, which is acknowledged as being outside of your control.
There are two scenarios in which termite damage may fall under the purview of your home insurance. The first is an extreme scenario: Sudden house collapse. If all or part of the home crumbles due to damage from insects or vermin, the possibility of insurance coverage opens up. There are conditions that typically need to be met. For one, it truly needs to be a collapse, not a cracking, or shrinking, or bulging, or any other physical change short of tumbling down and breaking apart. And the termites had to be hidden, without any reasonable way for you to identify the damage beforehand.
The second scenario in which you can petition the insurance company to apply your home insurance to termite damage is when something you are covered for is the cause of the termites. For the most part, we’re talking about water damage. Termites love moisture. If a pipe bursts in your home, and it’s something you’re covered for, that coverage may extend to the termites that come to stay as a result of the moisture from the broken pipe. If they get in due to wind damage, fire damage, or another covered hazard, the same possibility may present itself.
Now, we know this may sound bleak, especially if the thought of termites keeps you up at night. But even though termite damage typically falls outside the realm of home insurance, that doesn’t mean that other types of coverage aren’t available. In addition to preventative termite control, many pest control companies will offer what’s commonly known as a “Termite Bond” for long-term termite treatment and prevention. Terms vary, but in essence, the pest control company will provide regular termite inspections for your home, ensuring that your home is termite-free. These contracts often involve a warranty should the company miss something. Many folks think of this as an alternative to termite coverage in their home insurance.
Here at Action Pest Exterminating, serving the Charlotte and surrounding areas, we’re here to provide peace of mind against the creepy crawlies that keep you up at night. Give us a call at 704-269-4162 to learn more about our annual termite coverage program.