Claiming Home Insurance For Termite Infestations In Japan – In Perth, Western Australia, your home is more likely to be subject to a termite attack than a fire, flood or natural disaster. But surprisingly, home insurance does not cover termites. With the CSIRO reporting that 1 in 5 homes across Australia will suffer termite attack at some point and the average damage repair bill approaching $10,000, it’s important that homeowners take steps to protect their most valuable investment.
Since home insurance does not cover termites, homeowners should have a termite management plan for their property. A termite management plan has 3 main elements:
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If you can keep the area around and under the house dry, the chance of a termite attack is greatly reduced. Drainage improvement and leak prevention should be done as soon as possible.
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You can’t do anything with the wood in your house, but you can certainly remove wood items from the perimeter of the house and the sub-floor (if you have one). The main steps are removing wood mulch from garden beds around the house and storing firewood away from the house and off the ground. Avoid storing goods, especially in cardboard boxes (which termites also love!) downstairs.
If you’ve just purchased a property, your pre-purchase pest inspection will list conditions favorable to termites and any potential construction issues that need to be addressed. The same information is reported in annual termite inspections.
Government, Building Boards and Standards of Australia recommend that property owners have a professional termite inspection at least once a year, and more often in areas with high termite pressure.
Because termites live underground and are very secretive, their activity is difficult to detect. Without regular termite inspections, termites can enter your home and cause significant damage before they are discovered. An experienced termite inspector can spot the subtle signs of termite activity using the latest detection equipment.
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What is a pest inspection? A comprehensive termite inspection will not only detect signs of termite activity and termite damage in the building and surrounding property, but will also check for conditions that are conducive to termite attack (such as high humidity) and construction issues that may allow termites to get inside without being noticed. .
If signs of termite activity are found during the inspection, an appropriate treatment program can be implemented.
Although termite inspections are mandatory, they do not actually stop termite attacks. It’s a smart choice for homeowners to install a termite management system around (and under) the property, keeping in mind that termite damage is not covered by your home insurance.
There are two types of termite management systems; tillage and termite monitoring/baiting systems. Soil treatment involves applying insecticides to the soil around the perimeter of the house (and to the basement, if there is one). Termite monitoring and baiting systems involve placing bait stations in the soil around the property. The stations contain an attractive termite bait that intercepts termites before they enter your home. They feed on the bait, which contains a slow-acting insecticide, taking it back to the nest and destroying the colony.
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Termite management systems like these give homeowners a lot of security because termite insurance doesn’t cover them, but annual termite inspections aren’t necessary if one is installed. These systems are designed to work in conjunction with the building’s structural elements to prevent termites from entering the home unnoticed. Although unlikely, termites could still enter a building by constructing mud pipes over or around a termite management system, so regular termite inspections are still necessary.
If you need a comprehensive, professional pest inspection in Perth, please call us at Home Integrity or contact us here. Termites in your home can cause anxiety because they can threaten the well-being of both your home and your family. Unfortunately, by the time you notice termites, they may have already caused significant damage to your property.
Worse, the average home insurance policy typically does not cover termite damage, which is considered gradual structural damage caused by neglect or improper maintenance.
While you may be able to purchase a specialized insurance policy from a pest control agency, termite damage can be expensive to deal with. If you are buying a home that was previously occupied, you should be extra careful about termite damage.
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If you are concerned about the presence of termites, consider having a pest control expert inspect your home, ideally before you move in and regularly thereafter. A pest control expert can not only help prevent or repair termite damage in your home, but can also advise how often you will need to follow up. For example, you can prevent a termite infestation by installing a soil barrier or trench around your home, and the soil is coated with a termite repellant or poison that can be effective for a few years.
It should be remembered that methods recommended by pest control experts, such as soil barriers, are preventative measures and cannot help if you already have termites in your home. In this case, a termite repellant or poison may need to be applied directly to the infested areas.
If your home is infested, you may need more than one termite control measure, depending on whether your home has vulnerable areas where wood and water are accessible next to each other. If your home has been infested multiple times, stronger and more frequent treatments may be necessary.
Your home insurance provider likely won’t cover termite damage, forcing you to pay for a pest controller to inspect and treat your home, as well as foot the bill for repairs. According to Hipages, hiring a professional pest control inspector who can use advanced imaging tools to check for termites under the floorboards in your home can cost between $250 and $500.
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These costs vary depending on the size of the infestation, the location and quality of construction of your home, and the type of treatment and chemicals used. You may have to pay more if you purchase an extended warranty along with your treatment.
There are a variety of possible termite treatments that a pest control expert might recommend to help prevent termites from taking up residence in your home or eliminate an existing nest. The cost and effectiveness of these procedures may vary depending on the size of your home, the amount of work involved, and other factors.
You can choose to treat a termite infestation by applying termite repellants or poisons to the infested areas. This is only a temporary measure that may need to be repeated every 6 months and can cost between $300 and $1,000.
One of the most long-lasting methods of keeping termites out of your home, soil treatment can cost anywhere from $2,500 to $3,500, but it doesn’t need to be repeated as often as other options.
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You may need to install a chemical perimeter around your home as a long-term termite treatment. It can cost around $70 per square meter, so anywhere from $1,800 to $5,000 depending on the size of your home.
Some pest controllers may recommend using even more specialized technology called bait stations, which are designed to prevent termites from growing their colony. You may need to check from time to time that the termites are not eating the bait that contains the growth regulator. These bait stations are designed to repel termites, not only help you monitor and prevent their growth, but termites can avoid the bait station by finding other routes into your home. A termite bait can cost $2,500 to $3,500 to start with, then repeat for around $800.
This article was reviewed by Personal Finance Editor Alex Ritchie before publication as part of a fact-checking process.
Mark Bristow is the Home and Personal Finance Editor and an experienced analyst, researcher and producer. Focusing primarily on Australian mortgage and home loan expertise, he has been a financial journalist and writer for over ten years, previously researching and writing about commercial real estate at CoreLogic. Since then, Mark has worked at Winning Group Expedia and has seen articles published on Lifehacker and Business Insider. We are here to help members affected by Hurricane Idalia. Please call 866-204-2219 or click here to report a claim.
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The idea of having termites in your home is enough to devastate any homeowner. But even more frustrating is the damage they can cause and the cost of repairs ﹘ as much as $3,000, according to some sources. This high price leads many homeowners to wander if their homeowner’s insurance covers termite damage.
The short and most common answer here is no, home insurance usually does not cover termite damage. Good news? The answer, as with most insurance-related questions, depends on the specifics of each particular question.
Termites can cause a lot of damage, but most home insurance policies don’t cover this damage—in other words, your home insurance provider probably won’t send an exterminator.
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