Is Termite Treatment Covered by Insurance in Michigan’s Lower Peninsula?
Homeowners’ insurance is meant to shield you from unexpected disasters like floods, tornadoes, and fires. But in Michigan’s Lower Peninsula, termite damage is often excluded. Most insurance companies nationwide view termite infestations as preventable, which is why they don’t offer coverage. So, you might be wondering why and what steps you can take.
Why Am I Not Covered For Termite Infestations?
Because termites work quietly and slowly, you may not notice their presence until a fully developed colony has infested your home. Unlike sudden disasters like fires or storms, termite damage tends to build over time, meaning it’s not usually covered by insurance. This is why scheduling yearly inspections and maintenance is crucial. For thorough termite control, reach out to professional termite exterminators. Understanding the advantages of termite bonds is also a wise step.
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Termite Treatment Cost When Buying a Home in Michigan’s Lower Peninsula
If you’re considering buying a property that has experienced past termite infestations, who bears the cost of treatment? It varies based on when you’re in the buying process. If the house is still for sale, the seller is typically responsible for paying for inspections, treatment, or repairs. However, the buyer is responsible for preventative costs, such as termite bonds.
Do I Need a Termite Bond?
A termite bond is a specialized insurance policy that covers the cost of termite treatment. With it, the pest control company handles the expenses of termite damage instead of you paying out of pocket. While the initial cost is higher, renewal fees are much more affordable. It also provides extra peace of mind when paired with routine inspections from a provider like Griffin Pest Solutions.