It’s every homeowner’s worst nightmare to discover a pest infestation inside the house and notice damage to major house systems and appliances due to these pests. And, if your home requires pest control, you may wonder whether your home warranty covers pest control services.
Home warranty coverages may differ depending on the company and plan. If you intend to purchase or already have a home warranty, it is always a good idea to first check the policies of the home warranty company.
What Does Pest Control Insurance Cover?
Pest control can pose health risks, so companies in this industry take the job seriously. A protection policy will frequently include the following:
- And many others
Remember that it is important to discuss what is covered with your provider. Some policies, for example, exclude termite damage to your wooden foundation. While bug spray can help, there is no substitute for professional pest control, and most homeowners would rather hire someone else to fix the issue. Consider obtaining home warranty coverage for pest control today to provide peace of mind for your family.
What Pests Can Cause Home Damage?
Termites: Termite damage is a common issue discovered during a home inspection. In most cases, a loan provider will want to know if termites have invaded your home and how bad the infestation is for the foundation and other wooden parts of the house. Insurance may cover the cost of repairing collateral damage to your home. If you discover termites in your home and suspect damage is being caused, contact your local pest control company immediately because the visual nature of the damage and risk may impact your insurance company’s response.
Bed Bugs: Infestations of these parasitic pests are common in homes, motels, hotels, and even dormitories. Your problem as a homeowner is that your homeowner’s insurance does not cover bed bug damage.
Bees, wasps, and hornets: Although these winged pests can cause damage to roofs, an infestation is usually an indication of pre-existing damage. Loose shingles or holes in the roof can provide the perfect entry point for wasps, hornets, and bees. While nests themselves are not likely to cause further damage, their contents, such as wax and honeycombs, can melt in the summer heat and create a huge mess.
As previously stated, the best way to determine if your home insurance policy covers insect or pest damage is to call the insurance company, speak with an insurance agent, and perform a policy review. Your agent or broker can review the specifics of your home insurance policy and determine if there is any type of coverage for pest damage. You can also inquire whether such coverage exists and, if so, whether it can be added as a rider to your insurance policy. Most homeowner insurance policies exclude coverage for pest control.
Let’s Prevent Pests From Damaging Your Home!
The Pest Bros is your one-stop shop for all your pest control needs. We’re licensed and insured, so you can rest assured that we’ll handle your home or business with care. We’re highly trained and experienced in pest management and have a thorough knowledge of the latest technologies in this industry. We offer various services and can customize a plan that works best for your home’s unique needs.