Does Your Insurance Cover Termite Structural Damage?

You pay homeowner or rental insurance to protect yourself against unexpected and expensive bills. It provides you with some security and allows you to sleep with peace of mind soundly at night. What if, while you sleep, a colony of termites in Silver Spring, MD, is living in your home and costing you money by eating your drywall? Are you covered?

Americans spend approximately $5 billion annually on termite control and termite repairs—more than all the damage caused by tornadoes, fire, floods, and other natural disasters. An Estimated 600,000 homes in the United States are damaged yearly by termite damage. Termite infestations cause this property damage; At MTB Pest Control in Silver Spring, we understand that it can be challenging to understand your insurance policy. To save money, insurance companies will often work against you.

They might not always be right, but your insurance company could claim that you should have known about the damages (as are termites sometimes called “silent destroyers”?) or that you don’t have sufficient insurance coverage. Or worse, the Silver Spring pest control company is to blame for denying the insurance adjusters’ claim. You might need to speak with a property damage attorney in Silver Spring to investigate the claim and negotiate a settlement.

Here’s what to do if you suspect you have termite damage.

1) Be aware of signs of termite property damage: walls with bubbling or peeling wallpaper, hollow sounds in walls, destroyed drywall furnishings, entry holes, and irregular or buckling flooring.

2) Document the damage caused by the termites in Silver Spring and give detailed descriptions of what you’ve seen. As proof, take notes and photographs.

3) Consult your insurance company to file a claim for property damages in Silver Spring.

There are many reasons your insurance agent may not cover the damage, varying from one company to another. Policies typically cover accidental, sudden, unexpected, unpreventable, or dangerous damage. Although it may seem like you are dealing with all these situations, the truth is that certified Silver Spring pest control companies in MD can prevent termite infestations through regular pest control termite inspections and pest control removal and maintenance.

While you might not be able to purchase termite insurance, you can contact a local pest control company near you in Silver Spring to perform an annual termite inspection and provide treatment plans that are less expensive in the long term. It’s cheaper to fix termite damage than it is to prevent it. Are you looking for a professional termite inspection service?

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FAQ

What should you do if termite damage is discovered?

While termite damage in Silver Spring can be reversed with professional pest and termite control repair, local homeowners should first contact a local exterminator It is important to not make DIY repairs until a licensed pest control exterminator in Silver Spring has inspected that there are no termites and that the threat of future infestation is eliminated.

What is the extent of termite damage?

The most severe cases of termite infestation could result in the destruction of a house. Even a minor termite infestation of these wood-eating insects can cause major inconveniences and costly treatments. A termite infestation can cost thousands of dollars.

How long before termites do serious property damage?

It can take termite colonies 3 to 5 years for them to mature fully. Although it is impossible to predict the age of an infestation accurately, there are methods that can be used to estimate their age. Depending on the size and location of the colony, termite damage in Silver Spring can take from 3 to 8 years depending on the size of the termite colony.