Is Termite Treatment Covered by Insurance in Suffolk County & Nassau County?
While homeowners insurance shields you from many unforeseen home disasters, termite damage isn’t typically covered. In Suffolk County, Nassau County, and elsewhere, insurance policies usually exclude preventable issues like termites. This exclusion emphasizes the importance of proactive measures to guard your home against these pests. Although treatment costs aren’t covered, investing in a termite bond can provide valuable protection for your property.
Why Am I Not Covered For Termite Infestations?
Unlike the sudden destruction caused by fires or storms, termite damage occurs gradually, leading most insurance companies to exclude it from coverage. While insurance likely won’t cover preventative termite treatments, it’s still essential to schedule regular services with a professional exterminator. Many pest control companies also offer termite bonds, providing coverage beyond what insurance can offer.
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Termite Treatment Cost When Buying a Home in Suffolk County & Nassau County
When buying or selling a home in Suffolk County or Nassau County with a history of termite damage, you might be asking who pays for treatment. Here’s an outline of the usual process:
- Inspection Costs: In most states, sellers are typically responsible for covering the cost of termite inspections.
- Treatment Payment: If termite activity is found, the seller usually pays for treatment, either directly or by including the costs in the closing fees.
- Buyer Concessions: Before closing, buyers might agree to take on the treatment costs in exchange for other concessions.
- Prevention Responsibility: Future termite prevention responsibilities generally fall to the buyer.
Do I Need a Termite Bond?
Termite bonds act as a form of insurance, helping cover the costs of termite treatment. These agreements generally have the pest control company handle any damage caused by termites. The goal is to prevent infestations through ongoing treatment and prevention under the bond. By providing financial protection, termite bonds give homeowners peace of mind against potential termite damage.
For further details, reach out to the termite experts at Suburban Exterminating today!