And, of course, the greater the damage, the costlier the repair process can be. The longer termite infestation occurs, the more damage they will have on the wood portions of your home. This will stop termite infestations early and before they create irreparable damage to your property. If your homeowner insurance does not cover termite damage, it would be best for you to have your property inspected regularly. They will only cover termite damage if there is an additional coverage plan. Most insurance providers also will not pay for termite removal. Homeowner Insurance Usually Doesn’t Cover Itĭamage from termites is often not covered by homeowner insurance. When this happens, a complete demolition will be the only choice left. After some time, termite damage will be so severe and widespread that it will compromise the structure's integrity. Some types of termites such as subterranean and Formosan will travel through the soil and start damaging the areas of your property where there's moisture. Termite damage often begins in areas made of dry wood. They are difficult to detect unless you see alates or winged reproductives that set out to start a new mound. What makes termites difficult to fight is the fact that you often can’t see them while they are causing internal damage. Termites can be damaging your property for up to five years before you can see visible damage. Termites May Be Active Even if You Don’t See Them This is especially true if the results of your home appraisal or inspection say the property has signs of pest infestation or damage. Your lender may ask for evidence of termite inspections, especially if you live in a region where the local government requires it. The form will clearly state that a professional termite inspector checked the property for signs of termite activity or damage and that they found none.įederal Housing Administration and Veterans Affairs loans and other Government-backed loans often require you to submit a termite inspection form. If you are purchasing a property through a mortgage lender, you will likely need a termite inspection form. Are you still on the fence about getting a professional termite inspection? If you’re still unsure, consider the following logical reasons for hiring a professional to perform termite inspection on your property:
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