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Posted by Bilazarian Group on 2/8/2018

When pests come into your home, there’s no creepier feeling that you may have as a homeowner. You may turn to your house insurance for assistance if the problem gets really bad. Let’s say that termites have taken over your home and gotten into your walls or foundation. Maybe mice have gotten into the walls of your home, or a squirrel has caused some major issues in the attic. Whatever the problem is, you want to remedy it quickly. It might be an expensive fix no matter what, but it has to be remedied for you to continue to live comfortably in your home. 


The Truth About Homeowners Insurance


Unfortunately, homeowners insurance doesn't cover pest infestations. It doesn’t matter if the termites have literally eaten you out of house and home, the insurance companies consider pests to be an avoidable problem. Even though you may wonder how bugs can be considered “avoidable,” it’s simple. The insurance company believes that regular maintenance and checking of your property can help to prevent bug infestations. This is why it’s so important to take care of your property and not neglect it. 


Collateral Damage


There are a few exceptions to the rule. If your ceiling caves in and it was caused by some of the pest damage, your insurance may cover the cost of the repairs to the ceiling. They may not cover the materials that are needed to repair the ceiling itself. Insurance claims can be tricky, so you’ll need to ask a lot of questions if these problems do occur for you.


What Homeowners Insurance Covers


There’s nothing more frustrating than paying an insurance premium to find out that it doesn’t actually cover anything that you need at a certain point and time. As a general rule, homeowners insurance policies cover things that are considered accidental. This would include natural disasters like hurricanes, hailstorms, or high winds. If a tree falls on your home due to a windstorm, there was really no way of preventing that from happening. Your insurance would cover this. Damage that happens over an extended period, like that of a pest infestation or an aging home generally is not covered by house insurance. 


Separate Policies


Some insurance companies do offer separate policies to cover damage from certain types of pests like termites. There are several varieties of insects that cause damage to wood structures, so these policies may be more general stating that they provide “wood destroying insect” coverage. If you live in an area that’s prone to termites, there’s a few options available to you including something called “termite bonds.”


Your best course of action as a homeowner is prevention. Keep up with regular maintenance around your home and inspect your home regularly for any problems that you may find.




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Posted by Bilazarian Group on 10/13/2016

There are several different types of termites but one thing they all have in common is that they eat wood. By the time you've discovered that termites have infested part of your home it's often too late. That's because the damage that termites cause isn't easily noticeable. Termites travel randomly through the soil in search of food and can cause devastating damage to the wood of a home once they find it. Whether you're worried that your home may be vulnerable to termites or if you're looking for a way to get rid of them, this article will teach you everything you need to know about the wood-eating pests known as "silent destroyers."

Preventing termite infestations

There are several good practices to maintain that will keep your home termite-free. Some require work, and others are just good habits to build. Keep these tips in mind to make your home a less desirable treat to termites.
  • Don't stack firewood or lumber on the ground for long periods of time. If you do have to stack wood on the ground, keep it far away from your home foundation so termites won't eat their way up the wood pile and into the wood of your home.
  • Keep your foundation dry. Termites love moist soil. They'll use it as a vehicle to get to the wooden parts of your home. To keep them away, make sure the areas around your foundation are well-drained and stay relatively dry.
  • Don't let wooden parts of your home touch the ground. Whether it's a porch, deck, lattice-work, or even wood panel siding, make sure all of these surfaces are on a foundation and not just on the ground. Not only will this deter the termites but it will also help maintain the structural integrity of these items by keeping them dry and rot-free.
  • Go easy on the mulch. Using excessive mulch is like giving termites a roadmap to your home. When you do use mulch, make sure it's in a well-drained area. It may seem counter-intuitive, but termites are attracted to mulch mainly due to it's ability to maintain moisture and heat, rather than as a food source.

You found termites. Now what?

If you've noticed that termites are eating the wood on or around your home you have several options for getting rid of them.  Your method will depend on the location and severity of the infestation. Do-it-yourself methods If the infestation isn't in a dangerous place (somewhere that affects the structural integrity of your home) or if it isn't too severe you could try:
  • Applying a barrier treatment which stops the termites from entering and poisoning them at the same time
  • Setting a bait station that will attract all of the termites so you can remove them
  • Drilling into the infested wood and pouring orange oil into the holes
Call the professionals
  • If the infestation is bad enough to cause worry the safest bet is to call a pest control company in your area so you can rest easy knowing your home is safe.




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