Have you ever had to file a claim for home damages? It is usually a fairly simple process. You call your insurance company. Someone from the insurance company takes a look. The claim is filed, and you get paid. Simple, right? But it doesn't always work like this. Sometimes, you find out that insurance companies don't always payout. There are circumstances that can leave you holding the repair bill. Subterranean termite damage is often one of them.
Insurance companies view termite damage as preventable with routine maintenance. Why? Because termite damage is preventable with routine maintenance. The problem is that most homeowners don't have the knowledge and tools to perform this routine maintenance. So it turns into a sort of catch-22.
Insurance companies perceive their role as protecting homeowners from sudden and unforeseeable diseases, like house fires and bursting water pipes. On a side note, if termites chew through your wires and cause a house fire, which can happen, you're probably going to be covered. But insurance companies have very little pity when they think you're responsible for the damage. If the damage is considered the result of neglect, you're going to pay for it.
Imagine buying a home in a flood zone and not getting flood protection. Imagine buying a home on the tip of Florida without paying for hurricane insurance. It doesn't make sense, does it. Well, living in Tennessee without subterranean termite insurance doesn't make sense either. Those insects can be a serious threat to properties here.
How do you get termite insurance?
You invest in termite protection that comes with a termite-damage warranty.
If you live in the Knoxville area, we can help you with this. At Russell's Pest Control, we deploy the Sentricon System with Always Active to protect man-made structures from the threat of these wood-destroying insects. This system targets termites, and only termites, and does not require trenching or drilling. It works 24 hours a day, 365 days a year, and it is backed by a $1,000,000 termite-damage warranty. Best of all, it doesn't just protect you from the financial impact of finding termite damage, it keeps termites from damaging your property. Let's see your insurance policy do that!
If you have questions or you'd like to meet with one of our licensed professionals, request a free, no-obligation estimate. We'll take a look and give you the information you need to protect your equity.