Does insurance cover damages when a termite infestation occurs after a repair was done to the home?
UPDATED: Jun 22, 2010
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Asked June 22, 2010
Unless you happen to find a company offering an extraordinary policy, termite damage is not covered by any home insurance policy. Before issuing an insurance policy on a home, a termite inspection is made, and most insurance companies will require you to have yearly pest treatments for your protection. Once the damage has occurred, even if the infestation has been brought in on lumber used by a contractor to make repairs, you will have to pay for the damages yourself.
If you had repairs made and have reason to believe those repairs have caused a termite infestation, your best recourse is to contact the contractor and explain what has happened and why you feel they are responsible. Because it may difficult to prove the contractor was liable, this option may not be successful, but some contractors will replace the damaged materials to avoid the negative repercussions.
Pest control companies offer service warranties that may include damages resulting from infestation after treatment has been made. This warranty may include refunding the cost of services or making the necessary repairs, and the cost of the service contract will vary according to which type of warranty plan you are getting. While it may not be an effective solution, it is probably your best choice for some sort of recourse after the fact.
Answered June 22, 2010 by Anonymous