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Is Termite Treatment Covered by Insurance in Lubbock TX?
Homeowners’ insurance is there to protect you against unexpected disasters and the costs they result in. It’s there if a flood hits or a tornado strikes, or if something literally goes up in flames. It might surprise you, though, to learn that insurance agencies rarely cover termite-related costs in Texas.
In fact, a majority of insurance companies across the country consider termites a preventable problem and therefore do not cover it. So, you may be asking yourself – why? Why are you not covered, and what can you do to make up for it?
Why Am I Not Covered For Termite Infestations?
Termites are able to work slowly and silently, and by the time you notice their presence there’s already a widespread colony deep within the structure of your home. Because their damage doesn’t hit all at once like if it was a storm or fire, their effects are rarely covered by insurance agencies. That makes it all the more important to schedule annual inspections and preventative maintenance. And it helps to understand what perks pest control companies like Bug Out offer, such as termite bonds.
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Termite Treatment Cost When Buying a Home in Lubbock TX
If you’re interested in buying a property with a history of termite infestations, who is responsible for the cost of treatment? It all depends on the stage of the buying process. Assuming the house is still on the market, it is the job of the seller to pay for inspections, treatment or repairs. But it is up to the property buyer to cover anything that could be considered a preventative measure, like termite bonds.
Do I Need a Termite Bond?
What is a termite bond? It’s a specialized form of insurance that protects you from the costs that come with termite treatment. With it, the pest control company pays for termite damage as opposed to the cost coming out of your pocket. Though it costs more upfront, renewal costs are significantly lowered. Plus, it functions as a fantastic added security when paired with regular inspections through a provider like Bug Out!