Termites can pose a huge problem for homeowners. When you buy a home, an inspector will look for signs of termite damage. If it’s in the earliest stages, there may not be much for them to find. Whether you are dealing with a home or business structure, your property insurance may not cover termite damage. This will depend on a few things, but since termites are considered to be a preventable problem, you may not be able to get the coverage you feel that you need.

Insurance Limitations

Termites are silent and stay hidden from view. You may not realize you have an issue until the infestation is so severe that your structure can’t be repaired. There are only a few instances in which termite damage will be covered and they are very rare. In most situations, however, your property insurance coverage will not extend to termite damage to your structure, furniture, or any of your equipment.

A Preventable Problem

As a responsible business or homeowner, it’s up to you to know what is going on with your property. Annual inspections can identify termite infestations or other problems that may damage your property. Since termites are considered to be preventable, it’s important that you keep a close eye on them. The sooner you act on eliminating them, the less damage they will be able to do to your property.

Ways You Can Prevent Termites

The best way to prevent termites is to have an exterminator visit your home regularly. They can treat the wood that makes up your structure and target areas where termites may hide and start to build their colonies. If you live in an area where termites are common, schedule their visits every month. If you want to keep bugs out of your closet, place a block or two of cedar on the shelf and in the base. Most pests will avoid the smell of cedar.

Final Thoughts!

Termites can be a major problem if you are a home or business owner. The best thing for you to do is prevent termite damage before it happens. Contact the agents of Steve Wilk Insurance Agency to learn more about how you can protect your home from preventable forms of damage.