Dealing with Termite Problems

Posted October 12th, 2010
by HomeownersInsurance.org Staff (no comments)

For the most part, homeowners insurance covers losses that are sudden, unexpected, and not your fault. When it comes to termite damage, many homeowners may be surprised to learn the problem isn’t covered on their policy. That means you’ll need to be vigilant in looking for signs of termites, and dealing with infections before they get out of hand. Remember that when it comes to home repairs, waiting to fix problems usually leads to more expense.

  • Would you know one if you saw one? Termites are often confused with winged ants because of their similar size and body composition. Termites can be identified by their straight antennae, uniform waist, and wings of equal size, while ants have elbowed antennae, constricted waists, and forewings that are longer than the hind wings.
  • Termites in the yard does not necessarily mean you have an infestation. If you find termites crawling around an old stump in the yard or emerging from your woodpile, chances are your home is safe, but it’s best to inspect it anyway.
  • Inspect your home. Look for mud tubes that extend over foundation walls and other home supports. To determine if an infestation is active, break the tubes open and check for the presence of small, creamy-white worker termites. Also check the paint or wallboard on an exterior wall of the home. If the covering is wavy, you may have termite damage
  • Have your house inspected. Looking for signs of termite activity is something most homeowners are not trained to do. While you can do some basic research on identifying active infestations, hiring a trained pest management professional is your best bet for determining whether you really have a problem.
  • Quality trumps price. When it comes to termites, you don’t want to trust just anyone with the treatment. Choosing a pest control company based on price alone could cost you much more in the long run. Instead, make sure to find a pest control company with a solid reputation and many years of experience.

With today’s economy, many people are tempted to treat termite problems themselves. While you could save some money with this approach, you can’t rely on the results. In the end, if the infestation continues – or worse, grows – you’ll end up paying a professional to solve a much bigger problem later on.

Categories: Advice

Your turn to say something:

Name (required)
Mail (will not be published) (required)
Website

© Copyright 2009 HomeownersInsurance.org All Rights Reserved