Is Termite Treatment Covered by Insurance in Knoxville?

When it comes to termite-related costs, homeowners’ insurance almost never covers treatments.

One of the main benefits of homeowners’ insurance policies is the protection it provides against property damage. However, this 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, there are other measures (such as termite bonds) that can help with the unexpected costs.

Why Doesn't My Insurance Cover Termite Treatment?

Insurance agencies almost never consider termite-problems in policies. But why? Termite infestations are typically considered to be preventable. Damage from a termite infestation gets worse over time rather than suddenly or accidentally, which is the case with property damage covered by insurance.

While your insurance policy, 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.

Termite Treatment When Buying or Selling a Home

Whether you’re planning to buy or sell a home in Knoxville that has a history of termites, you may be wondering who is responsible for the costs of treatment. Here’s how it typically goes:

In almost every state in the country, 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 against future infestations.

How Can I Get Help to Cover the Costs of Termite Treatment?

Termite bonds are a form of insurance against 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. To learn more, contact our professionals at Russell’s Pest Control.

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