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Is Termite Treatment Covered by Insurance in Louisiana?
Unfortunately, homeowners’ insurance almost never covers the cost of termite treatment or termite damage.
While many homeowners’ insurance policies provide you protection against property damage, it typically only applies to damage that was accidental or not preventable. Unfortunately, termites are considered a preventable problem. While insurance doesn’t cover termite treatment, you can take other measures to protect your property from termite problems.
Why is Termite Treatment Not Covered by Insurance?
Insurance agencies almost never recognize termite-related problems in their policies because they believe termites to be preventable. Termite destruction happens slowly and over time instead of suddenly or accidentally, which is typically the case if your home becomes damaged by a fire or storm. Even though your insurance likely will not cover preventative termite treatment, you should not let that stop you from investing in regular service from a professional pest control company. Paying for preventative termite treatment is always less than the costs of fixing 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 Covington LA that has a history of termites, you may be wondering who is responsible for the costs of treatment. Here’s how the rundown typically works:
- In almost every state in the county, the seller of the home must pay for termite inspections.
- If past or present termite activity is found, 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 for the future.
What Helps Cover the Costs of Termite Treatment?
If your insurance company will not cover the expenses of termite treatment, 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. 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. Contact Ja-Roy Pest Control today to learn about our termite bonds.