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Is Termite Treatment Covered by Insurance in Eastern and Central Virginia?
Unfortunately, insurance companies almost never cover the costs associated with termite treatments or termite prevention in Virginia.
For the most part, homeowners’ insurance policies provide you protection against property damage. However, it almost never covers damage that is considered to be accidental or preventable. Most companies consider termites to be preventable. While insurance doesn’t cover termite treatment, you can take other measures to protect your property from termite problems.
Why is Termite Treatment Not Covered by Insurance?
Most insurance companies do not include termite-related costs in their policies because they consider a termite infestation 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. These costs will always be less than the cost of paying for termite damage repair after a bad infestation.
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Termite Treatment Costs for Homes in Virginia
If you are planning to buy or sell a home in Virginia that has a history of termites that has a history of termites, you may be wondering who is responsible for the costs of treatment. The following outlines how the process typically works:
- 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.
What Are Termite Bonds?
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 bond options, contact Loyal Termite & Pest Control today!