Is Termite Treatment Covered by Insurance in Atlanta GA?

The cost to remove termites and repair their damage is not generally covered by homeowners’ insurance. Homeowners insurance works to protect you from costs related to property damage, but only damage that was accidental or not preventable. However, that doesn’t mean that you don’t have options. A termite bond is a warranty between you and a pest control company, similar to a maintenance contract. It’s a service that features annual or quarterly home inspections and treatment for termites, depending on the schedule.

Is Termite Treatment Covered By Insurance in Atlanta; Call Active Pest Control for Termite Control and Prevention

Why Doesn’t Insurance Cover Termites?

Insurance agencies deem termite related issues as preventable, which is why they do not cover termite damage. Termite destruction happens slowly, over time instead of suddenly or accidentally, which is the case with fire or storm damage. Although your insurance may not cover preventative termite treatment, please consider investing in an annual preventative termite service. The cost of paying for preventative treatment is far less than the expenses involved in repairing termite damage.

Who Pays for Treatments When Buying or Selling a Home?

If you’re buying a home in Atlanta with a history of termites, you may be wondering who is responsible for paying for treatment.

  • In most states in the U.S., the seller of the home must pay for termite inspections.
  • When termite activity, past or present, is found, the seller is responsible for covering treatment either up-front or in closing costs.
  • In contrast, the buyer is responsible for anything considered to be termite prevention.

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Are Termite Bonds Helpful?

Since the expense of termite treatment is not covered by your insurance, it’s wise to consider the benefits of entering a termite bond. Termite bonds can provide you peace of mind and are utilized 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 goal is that with the regular treatment and prevention methods offered by a termite bond, you will not need to worry about future termite infestations.