As winter ends and warmer weather is upon us, some not so welcome furry friends may begin to show themselves in our houses. Pests such as rodents, termites, ants and bed bugs are very common in homes across the country, especially South Florida. For some households, these pests can be more than an annoyance as some of them can cause structural damage and potentially threaten the health and safety of those in the home. Most would think that home insurance policies provide coverage for these issues, but that could not be farther from the truth.
Typically, most home insurance policies do not provide coverage for pests like termites and rodents. This means that the home insurer will not usually provide compensation due to a pest infestation or pay for the damages that they cause. In rare cases a home insurer may cover collateral damage due to a pest, which means that the damage that a pest caused triggered other damage to occur in the house.
This means that as the homeowner you must be vigilant about caring for your home and removing pests before they can cause significant damage to your home. Another option is to obtain a termite bond, which is essentially a bond that you create with a local exterminator to do annual checks and ensure that pest issues are under control.
Pest infestations can be caused by a number of things depending on the location of the home, the climate, as well as other environmental factors. It may not be possible to entirely eliminate the possibility of an infestation, but it is possible to take preventative measures before significant damage can occur. You can do this by having annual inspections of your home and by providing regular maintenance and upkeep to ensure that the house is clean and secure.
The first step is to determine which pests are common in your area and then consult with a pest control company to take preventative steps to move forward. For example, if your area tends to have a lot of issues with termites, then it is best to use concrete whenever possible. It will not be vulnerable to termites. In South Florida, pests such as bed bugs, roaches, mice, ants, termites and mosquitos are among the lists of insects that may decide they want to make your home theirs as well. A pest control’s recommendations will depend on which pests you are dealing with, so there is not necessarily one way to handle their removal. Some companies can offer more natural solutions to pest problems, especially if you have pets or small children in the home that can be harmed by the use of toxic chemicals.
In general, most home insurance providers do not provide coverage for pests. As always, you should do a thorough review of your home insurance policy to verify this information and perhaps have a discussion with your home insurance provider as well.
Please call Pro Player Insurance Group for more information about Fort Lauderdale Home Insurance policies at 855-367-7744.