Termite Damage and Home Insurance

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Termites can cause a good deal of damage to your home if you let them go wild. They may seem like a small and harmless bug, but they can sneak into the property and cause a ton of damage before you can even find them. By the time you notice the signs or have an inspection done, a good deal of the wood around the property can be destroyed and you are out of luck getting some of the help that you need.

 

Not only do you have a big mess to handle with these termites, but you may find that your home insurance will not cover the damage of these pests. Most homeowners insurance will not cover the damage that is done by insects, whether it is bed bugs, termites, or another type of infestation at the time. This is because they see this kind of damage as preventable and most insurance companies will not cover something that the homeowner should be able to prevent.

 

All of the major insurance companies out there will consider all the harm and damage done by termites to be avoidable. Through regular inspection and routine care for the property, the homeowner can usually prevent the termites from getting there in the first place, or remove them early on before they cause a problem. In fact, many of these insurance companies will have a place in the contract that excludes them from helping if there is termite damage, no matter how extensive the damage at the time.

 

The one possible exception in many insurance plans for this is something known as collateral damage. If a support beam ends up falling due to the damage of the termites and part of the ceiling caves as a result, then it is more likely the policy will repair the ceiling for you. The beam and getting it back into place will not be covered and you will be the one who has to pay to get that part fixed.

 

Pest control is important, whether you need to keep them away from your personal home or you are worried about how pests could harm your business. That is why our team is proud to offer warehouse pest control in Incline Village for all of our commercial customers. This type of pest control will make sure pests do not move into your warehouse and wreak havoc, causing you to lose inventory and end up with a big mess on your hands. Trust our team to be there for all of your pest control needs.