Is pest control covered by homeowners insurance?

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According to the “2013 Bugs Without Borders Survey” from National Pest Management Association (NPMA), nearly 100 percent of the pest control companies that responded said they had worked on one or more bed bug infestations in 2012. Bed bugs are found almost anywhere people sleep — homes, hotels, motels and college dorms. Your challenge as a homeowner is that your homeowners insurance doesn’t cover the damage done by bed bugs, or any destructive insect.

A Little Bug Causes Big Headaches

They are small, wingless creatures that feed on the blood of people and other animals. They usually don’t move more than a few feet from their hosts. They will infest your mattress, linens and box springs. They may be found in curtains, under tables and dressers. Pest World says bed bugs can be very hard to find, even hiding in electrical switches and behind wallpaper. This also makes bed bugs hard to get rid of.

Locating and treating the eggs, adults and juvenile bed bugs is key to success. DIY bed bug solutions are often ineffective and frustrating leading homeowners to make poor decisions. This leads to the misuse of chemicals, and/or unnecessarily throwing out beds, linen, curtains, clothing, tables and chairs and pull wallpaper off of the wall, which creates additional expenses.

Consult with a bed bug removal service that has experience exterminating bed bugs before attempting any DIY steps.

Insurance Covers Collateral Damage

Unfortunately, your home insurance doesn’t cover damage caused by the bed bugs. Insurance pays for what they consider “sudden” and “accidental” damage to your home, says Insure Me . For example, if a tree limb breaks off during a storm and breaks a window in your home, insurance covers that. But if damage to your home occurs because bed bugs have been living in the house for a month that damage is not covered.

The insurance company’s position is that you had warning of the damage and could’ve taken steps to prevent it. You don’t have warning of a tree limb breaking in a storm.

Insurance might provide coverage for repair to collateral damage to your home. For example, termites infest a wall and chew through a floor joist. The joist breaks, the floor sags and a wall settles and cracks. Your insurance might cover the wall repair because it was “sudden and accidental,” but you’ll be responsible for replacing the termite-damaged floor joist.

Other Pest Issues

A number of other pests can damage your home, and insurance help you:

  • Termites – These are like little machines that chew constantly through the wood structures of your house. 24.7 they chew through floors, walls and the ceiling. You might not know they are in your house unless a wood structure breaks, you see signs of termites or they are spotted during a professional pest inspection. Every homeowner should schedule at least an annual pest inspection for termites. If you live in an area where termite populations are heavy, your pest control professional might recommend inspections more often. It will also recommend preventive termite measures.
  • Carpenter ants and powder post beetles – These are wood-damaging insects that make their nests in the wood. They lay eggs that hatch and become mature adults. They bore little tunnels through the wood and over the years, it weakens until it finally breaks. If you see tiny piles of unexplained sawdust, this could indicate you’ve got these pests.
  • Bats, rats, squirrels and birds – Fortunately, these creatures are large enough that you can hear their activities in your ceilings and walls. The damage is usually from their nesting activity. If you hear the pitter patter of feet in your walls or attic, be proactive! Wildlife can quickly take over a structure to shelter themselves from the outdoor elements. Contact your Albany wildlife removal company to prevent any damages before they can begin.

Although many pests are active all year round and each season brings different pests, regular pest control service should be something all Clifton Park homeowners should have. In the springs, the Albany area battles carpenter ants, in the summer on top of ants there are stinging insects. Fall time welcomes rodents and over wintering insects and winter continues with rodents. Thomas Pest Service’s services are similar to an insurance policy. Regular inspections identify conducive conditions prone to insects and rodents along with looking for other pests like termites that cause damage. At any time if you have a concern or issue in between your regular service, we return at no charge. That is great peace of mind!

Thomas Pest Services is a local, family owned pest management company serving Chatham, East Greenbush, Latham, Albany, Clifton Park, Schenectady, Edinburgh, Malta, Queensbury and surrounding towns. Thomas Pest Services is license and certified in pest control to effectively solve your bug or rodent issue. Protect your health, home, family and property with against pest, contact us via phone at 1-877-518-2847, via web inquiry, Facebook or Twitter!


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