Is Termite Treatment Covered by Insurance in Eastern Tennessee?
Typically, homeowners’ insurance does not cover the cost of termite treatment or termite damage.
Most homeowners’ insurance policies provide protection against property damage, and it usually only applies to damage that was accidental or not preventable. Insurance companies consider termite damage as preventable. Even though your insurance may not cover termite treatment, you can take other measures to protect your property from termite infestations.
Why is Termite Treatment Not Covered by Insurance?
Insurance agencies believe termite-related problems are preventable and almost never cover termite issues in their policies. Termite damage happens slowly, over time instead of suddenly or accidentally, which is typically the case if your home becomes damaged by a fire or storm. Although your insurance policy will most likely not cover preventative termite treatment, it’s smart to invest in regular service from a professional pest control company. Paying for preventative termite treatment is always less than the costs of repairing significant termite damage.
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Termite Treatment When Buying or Selling a Home
If you are planning to buy or sell a home in Eastern Tennessee with a history of termite damage, you may want to know where the responsibility for treatment costs lies. Here’s how the process typically plays out:
- In almost every state in the county, the seller of the home must pay for termite inspections.
- If past or present termite activity is detected, the seller is usually also responsible for covering treatment either up-front or in closing costs.
- The property buyer is most often responsible for anything considered to be termite prevention in the future.
What Helps Cover the Costs of Termite Treatment?
If the cost of termite treatment is not covered by your insurance company, a termite bond may be the solution for you. Termite bonds are a form of insurance that works to protect you from the costs of treating infestations. A termite bond is a warranty between you and your pest control company, and will cover 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. Contact Johnson Pest Control today to learn about our termite bonds.
Is termite treatment covered by insurance in Eastern Tennessee? in Sevierville TN
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