Monday, 25 September 2017

Does Home Insurance Cover Termite Damage?

Owners know that homeowners insurance is an essential part of keeping their home safe. If damage or loss should occur, the policy will pay for repairing the damage or rebuilding the home. The peace of mind that comes from this knowledge is an integral part of the comfort that a home provides. However, a typical homeowner’s insurance policy will have a number of exclusions – things that are not covered under the policy. In most cases, one of these exclusions is termite damage. Check your insurance policy. Even if it does not categorically state that termite damage is not covered, it may be mentioned under the list of exclusions or elsewhere in the fine print. The reason for termites not being covered is that home owners insurance typically covers the unexpected or uncontrollable such as storm, flood, fire or earthquake damage. Insurance companies consider termite damage to be controllable and preventable so the policies do not cover this kind of damage or loss which could run into thousands of dollars.Professional termite control is the best way to keep your home safe.

Cost and Hassles

There are always bills to be paid and adding termite control to the list may seem an unnecessary expense, especially if you have not had termite problems before. Keep in mind that termites can attack a home any time. When the cost of repairing the damage they can do is taken into account, the cost of termite control pales into insignificance.

The hassle of tenting a home and finding a place to stay while to extermination is going on is another reason why people avoid getting termite control done. Modern non-fumigation termite control uses low toxicity chemicals that complete the job in one day, so you can return home for dinner. A technique that uses microwaves and not chemicals to kill off termites is also available.

Protecting Your Home

Your home is the center of your life and where your family’s future is built. Termites could enter it at any time. Often the damage they cause is very severe even before it is noticed. Even if you do check the house once in a while for signs of termite infestation, it takes a trained professional to spot the signs early and take action before any major damage is done. True, there are all kinds of material available online about DIY termite control. What needs to be remembered is that these procedures are meant for the layman who does not have access to the expertise, experience, materials and equipment that professional termite control companies do. You may be lucky enough to spot termites and use some homemade solutions to try and get rid of them. The operative words here are “homemade” and “try”. Do you want to place your home in the hands of termite control actions that may, only may, work? Or would it be better to invest a small amount in professional termite inspection and control? That is the kind of termite insurance your home needs and deserves. Contact a professional termite control company and keep your home and possessions safe. It is the best form of termite insurance there is.

Friday, 25 August 2017

Preparing For a Termite Inspection

A termite infestation can cause thousands of dollars of damage to your home. By the time you see the signs of the infestation, a great deal of damage may already have been done. Regular termite inspections by a professional termite control company is the best way to spot signs of termites early and take action to remove them before extensive damage occurs. Each company will have its own way of carrying out the inspection, but there are basic actions that they all do. By doing your part in preparing the house for the inspection you can make the process go faster and help the inspector do his job efficiently. Here’s how to go about it.

Provide Access

  • Garages are often messy and cluttered. Move everything 2 feet away for the walls to allow the inspector to have a clear view of where the walls meet the floor slab. The expansion joints are a common point of entry for termites.
  • The attic is another place that is often cluttered. Use the inspection to get rid of all the unwanted junk and tidy up the place. This will give you more usable space, reduce places where termites could nest and above all make it easier for the inspector to do a thorough inspection.
  • If your house has a raised foundation, the inspector will have to go under the house to look for signs of termites. Clear away anything that could block access to the crawl space.
  • Clear anything kept under the bathroom and kitchen sinks so the inspector can check for signs of leakage and evidence of termites.

What the Inspector Will Look For

The inspector is a trained expert who will be able to spot signs of termite that you may not notice. That being said, no one knows your house as well as you do so spending some time looking for the following signs of termites and informing the inspector of anything you may find will help him to work faster and complete the inspection quickly to reduce the disruption to the home routine. Look for:

·         Signs of termites:

    • Termite droppings
    • Evidence of swarms (such as discarded wings)
    • Mud tubes
    • Hollow or damaged wood
    • Live termites
·         Potential termite access points:

    • Cracks in the foundation around plumbing
    • Expansion joints (found in the garage and other places)
    • Hollow block walls
    • The side of foundation walls and piers
  • Conditions that may lead to future termite infestations:
    • Plumbing leaks
    • Wood-to-soil contact

Questions to ask the Inspector

If termites are found, ask the following questions so you know exactly what the control process will involve:

 o   What treatment is going to be used?

   o   How extensive is the infestation?

   o   What will the treatment cost?

   o   Are there options to provide for extended protection?

   o   What type of guarantee is given?

   o   How long will it take and how will the household be disrupted?

Regular termite inspections and control measures by experts are the best way to protect your home and your family.


Monday, 24 July 2017