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Is Termite Treatment Covered by Insurance in Iowa?

Termite treatment (and other termite-related costs) are almost never covered by insurance providers here in Iowa or nationwide. As unfortunate as this may seem, it’s due to the fact that insurance providers often consider termite problems to be preventable.

Homeowners’ insurance policies provide you protection against property damage. However, it almost never covers damage that is considered to be accidental or preventable. While insurance doesn’t cover termite treatment, you can take other measures to protect your property from termite infestations.

Why Am I Not Covered For Termites?

Across the country, insurance provides typically do not include termite-related costs in their policies. This is because termite infestations are considered a preventable threat. Termite damage 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. While 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 repairs after a termite infestation.

Termite Treatment Cost Breakdown

When buying or selling a home in Iowa with a history of termites, you may be wondering who is responsible for the costs of treatment. In general, the process is as follows:

  • 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.

Do I Need a Termite Bond in Iowa?

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 goal is that with regular treatment and prevention made possible by the termite bond, termite infestations will not become an issue. To learn more about termite bonds, contact the team at Springer Professional Home Services.

Is Termite Treatment Covered by Insurance in Iowa?

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