Termite Warranties & Zombie Protection

Termites:  their focus is hyper-concentrated and they possess singularity of purpose only paralleled by, well, zombies. Termites have one-track minds (instead of brains, they want wood), and if you are a homeowner, one might seem just as scary as the other.

termites
Image credit: Sanderson Deck Builders, LLC

Unfortunately, termites just aren’t the types to want to hash things out. If only they would, perhaps then we could reason with them, bridge the gap, and work out some kind of a deal

MUST. HAVE. WOOD. 

Termites, like zombies, are ugly, relentless and hard to kill in large numbers. Unlike zombies, they are real and active in every U.S. state but Alaska and cause an estimated annual $5 billion in property damage. Hiring a professional to inspect your home is a must and many homeowners choose to take extra precaution by purchasing a termite warranty. 

What is a Termite Warranty?

A termite warranty, or termite bond, is kind of like ‘termite insurance’. Most warranties are simply a contractual agreement with a pest control company that guarantees continuing termite inspections and bacterial-infections-treatment.com, when necessary, with some offering specified damage coverage for as long as the agreed upon term.

Do I need one?

Homeowner’s insurance does not cover termite damage, so a termite warranty is something to consider. Warranty can vary depending on the age of the home, planned length of inhabitation, history of infestation and region of residence.

New homes: While new homes aren’t immune to termite infestation, they often have a leg up on older homes due to continually improving construction practices that make structures less conducive to termite infestation. Furthermore, lending companies in many states, like Arizona, require chemical pretreatment on new homes. Pretreatments are generally thought to be good for 3 to 5 years.

Homes older than 5 years: Get ‘em checked! When choosing a termite control company, you will need to weigh the cost (and quality) of their warranty against the price of annual inspections and possible treatment, while taking into account termite activity in your region of the country.

Planning to move?  You might find it cost effective to forgo or opt-out of a termite warranty if you won’t be staying long. However, having records of regular termite inspections or a still active warranty can increase the value of your home (and some warranties can be transferred to new owners).

Deja Vu:  No termite treatment is permanent, so if you had them once, you could have them again. The best protection is prevention, which is why a termite warranty may be the way to go in this situation.

Regional Hot Spots:

termites
Image source: npmapestworld

Are all termite warranties created equal? Because termites thrive in warmer environments, people living in the southern three quarters of the U.S. need to be more vigilant and proactive, making the purchase of a warranty a more viable choice than for someone living in, say, North Dakota. In the summer months, or what’s called the “monsoon season” in the Southwest United States, termites are known to swarm and form new colonies in susceptible homes.

Not by a long shot. Here are some things to look for when shopping for a warranty:

  • Is the entire house covered?  Or just specific parts? Always ask questions and read the fine print in order to avoid misunderstandings.
  • Will all treatment costs be covered in case of re-infestation? This should be a given, but you can never be too careful. 
  • Will the cost of damage repair be covered? This one can get tricky. A good warranty will offer this, but may stipulate that it will only cover new damage, not damage from previous infestations, and it can be almost impossible to tell the difference.  Be sure to find out the company’s policy in determining what constitutes ‘new damage’.
  • Does the warranty cover control of and damage by both dry wood and subterranean termites?  Most damage in the U.S. is caused by subterranean termites, but dry wood termites are prevalent in certain regions and can cause significant damage.
  • Is the warranty cost effective? Once again, be sure to weigh your variables, such as likelihood of infestation where you live, along with the cost of annual inspections and treatment without a warranty. Also, be sure to comparison shop, but keep in mind that cheaper isn’t always better. Be sure to check the company out online and/or ask for references.

Lastly, will a termite warranty stop a zombie attack?

Not likely. But, if you decide your home is a good candidate for a termite warranty, you can rest easy knowing you’ll have a sound structure in which to barricade yourself, should such an event occur.  Peace of mind like that can be hard to come by these days.

Image credits:   (source)

About the Author: Natalie McCatty writes for Younger Brothers Companies, helping homeowners in Arizona protect their homes from pests and the damage they cause.