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Is Termite Treatment Covered by Insurance in Albuquerque?

Homeowners’ insurance is put into place to protect you from unexpected events that cause damage to your property. Unfortunately, homeowners’ insurance almost never covers the cost of termite treatment or termite damage.

Insurance typically only applies to damage that was accidental or not preventable. The bad news is that 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 Doesn't Insurance Cover Termite Treatment?

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. Your best protection against the costs of termite infestations is to invest in preventative services.

Who Pays For Termite Treatment?

If you’re buying or selling a property in Albuquerque that once had a termite problem, there can be confusion over who pays for what. The costs are usually handled in the following ways: 

  • 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.

How Do I Cover the Costs of Termite Treatment?

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. For more information on termite bonds, contact the professionals at Pest Defense Solutions today!

Is Termite Treatment Covered By Insurance in Albuquerque NM? in Albuquerque NM

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