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Will My Property Insurance Cover Termite Damage?
May 7, 2022
Agency

Will My Property Insurance Cover Termite Damage?

You strive to keep your business property durable, clean and secure. However, at times, you cannot keep out every pest. Termites might be small, but they can wreak major damage on your business if you don’t control them. If termites create damage, you might wonder if your insurance will pay for their removal and structural repairs. Here are a few more details. 

Property Insurance Limitations for Termites 
Unfortunately, property insurance and termites have a complicated relationship. Therefore, your best bet is to try to prevent termites from taking hold. 

Most termite infestations happen slowly. They might invade your business over time, and it might take years for noticeable damage to occur. Ordinary operations might continue with no inkling that pests have entered the building. 

Once you notice termite problems, it might be too late to avoid severe damage. Therefore, you might face countless dollars in repair bills. You might even face a total loss of your structure should the damage prove too severe. Should structural integrity become compromised, it might prove unsafe to even enter the property. Therefore, operations could grind to a halt. 
Business with open sign
If a termite problem arises, you might wonder if your insurance will cover repairs. Unfortunately, you will likely find that property insurance won’t offer any recourse. 

Property insurance generally only covers unavoidable, unpreventable damage to your property. In most cases, you can prevent termites with vigilance and maintenance. These tasks usually prove relatively inexpensive. Such care therefore usually falls under regular maintenance. Insurance almost never covers standard costs that are your responsibility. 

Preventing Termites 
Responsible business owners should always undertake regular preventive actions to keep termites out. Doing so can reduce the chances of ever having to file a property insurance claim. 

One of the simplest ways to prevent termites is to engage in simple pest prevention measures. Have a pest service professional visit your property at regular intervals. They can spray a repellent in and around the space to prevent termites from getting inside. Most services will spray every few months at regular intervals. The ongoing prevention can almost certainly cut termite risks. 

Furthermore, certain pest services also offer regular termite inspections. Professionals will inspect the structure for signs that termites have slipped past any chemical agents. Your pest inspector can likely catch small infestations before they get worse. 

Don’t hesitate to call a registered pest elimination service today. It might help you prevent significant termite damage down the road. 

Tags: commercial property insurance

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