Pests are a structural problem before they are a nuisance.
Termites and similar pests can damage the structure of a house quietly, for years. Understanding the risk protects the investment, not only the comfort.
Free to check. No calls unless you ask.
Property report. No calls unless you ask.
Why it matters
Structural pest damage is expensive and usually hidden until it is not. Prevention costs a small fraction of repair.
What a standard homeowners policy pays for termite damage. The form excludes loss caused by “birds, vermin, rodents, or insects” outright. The repair is yours in full.
ISO Homeowners 3 Special Form HO 00 03 10 00 (2000), Section I Exclusions 2.c.(6)(g)
How long the chemical termite barrier installed when a house was built is expected to last, if nothing disturbed it. Most houses are well past that and nobody told the owner.
National Association of Home Builders, Study of Life Expectancy of Home Components, 2007
Termite damage is structural and it is behind the wood. The policy form itself refers to insect damage “hidden from view”, which is exactly why this one needs a licensed inspector rather than a look around.
What to understand
A few things worth knowing before you decide.
Structural risk
Some pests threaten the wood the house is built from, which is a different category of problem from the ones that are merely unpleasant.
Prevention wins
Regular protection is far cheaper than repair, and it is one of the few home costs that is genuinely predictable.
Start with your property.
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