Is Termite Treatment Covered By Insurance in Manhattan?

Homeowners’ insurance is designed to shield you from unexpected costs due to home disasters. However, does it cover termite damage? Unfortunately, termite-related expenses are seldom covered by insurance agencies, across the nation. Since termites are viewed as a preventable issue, insurance policies generally do not cover their treatment. To protect your property from termites, consider alternative solutions such as termite bonds.

Why Am I Not Covered For Termite Infestations?

Unlike damage from fires or storms, which occur suddenly and unexpectedly, termite damage develops gradually over time. This gradual nature is why insurance agencies typically do not cover termite-related expenses. Even though your insurance may not include coverage for preventive termite treatments, it’s important to still invest in regular pest control services from a professional termite exterminator. Investing in these services can help prevent extensive damage and costly repairs in the future.

Termite Treatment Cost When Buying a Home in Manhattan, Kansas City Metro, and Surrounding Areas

If you’re considering buying or selling a home in Manhattan, Kansas City Metro, and surrounding areas with a history of termite issues, you might be curious about who will bear the treatment costs. Here’s a breakdown of the usual process:

• Disclosure: The seller is typically required to disclose any known termite issues or past treatments. This is usually done through a property disclosure form.
• Inspection: The buyer may order a professional termite inspection to assess the current condition of the property. In almost every state in the county, the seller of the home must pay for termite inspections.
• Termite Report: If termites or damage are found, the termite report will detail the extent of the infestation. 
• Treatment: In most cases, the seller bears the cost of treatment, either by paying it upfront or incorporating it into the closing costs.
• Post-Sale: The property buyer is most often responsible for anything considered to be termite prevention for the future. It’s wise for the buyer to invest in a termite bond for ongoing protection against future infestations.

Do I Need a Termite Bond?

A termite bond is a form of insurance that protects you from the expenses associated with termite treatments. Generally, these bonds include coverage for any termite damage through the pest control company. The idea is to avoid infestations through regular treatment and preventive measures. By maintaining this coverage, you can ensure long-term protection and peace of mind against potential termite problems. To explore this option further, reach out to the team at American Pest Management for assistance!