Is Termite Treatment Covered by Insurance in Atlanta, GA?

Why Aren’t Termite Infestations Covered by Insurance?

Well, it all comes down to how insurance companies view these wood-munching pests. From their perspective, termite infestations are considered a preventable problem. Just like you’re expected to maintain your roof or fix a leaky faucet, insurance companies believe that homeowners should take proactive measures to prevent termite infestations.

Insurance policies are generally structured to cover sudden, accidental events (such as storms, fires, or burst pipes). Termite damage, on the other hand, occurs gradually over time. These industrious insects work slowly but steadily, often causing significant structural damage before they’re even detected.

But don’t let this discourage you! While your standard homeowners’ insurance might not cover termites, there are other ways to protect your property, including termite inspections and bonds.

Termite Treatment Costs When Buying or Selling a Home in Atlanta, GA

If you’re in the process of buying or selling a home in Atlanta, GA, termites are an important consideration. Here’s how termite-related costs are typically handled in real estate transactions:

• Termite Inspections: In Atlanta, GA, the seller is responsible for paying for a termite inspection. This is a crucial step in the home-buying process, as it can reveal current or past termite activity.
• Treatment for Active Infestations: If the inspection uncovers an active termite infestation or evidence of past activity, the seller is usually on the hook for treatment costs. This can either be paid upfront or factored into the closing costs.
• Future Prevention: Once the sale is complete, the new homeowner typically becomes responsible for ongoing termite prevention. This is where a termite bond can be incredibly valuable.

It’s worth noting that these are general guidelines, and the specifics can vary depending on the terms of your real estate contract. Always consult with your real estate agent and a pest control professional to understand your specific situation.

The Value of a Termite Bond

Since standard homeowners’ insurance doesn’t cover termites, many Atlanta, GA homeowners opt for a termite bond. A termite bond is essentially a contract between you and a pest control company to cover inspections, treatments, and repairs. By investing in regular prevention and early detection, you can avoid the costly damage that termites can cause. It’s a proactive approach that can save you money and stress in the long run.

While your standard insurance may not cover termites, you’re not without options. Contact your local termite exterminator to explore termite treatment plans.