What Does a Termite Bond Actually Cover? [Hint: It Varies]


You may already know that termite bonds act like warranties between you and a termite control company, but you may be wondering what they cover. Since most homeowner’s insurance doesn’t cover termite damage (or other wood-destroying organisms, for that matter), termite bonds are an important aspect of protecting you’re home, but the devil’s in the details. Let’s demystify the specifics of what a termite bond typically covers (and what it doesn’t).

TL:DR Termite Bonds Normally Cover the Following 📜

🔍 Components 🔍📚 Details 📚
🕵️‍♀️ InspectionsRegular, thorough inspections of your property Frequency ranges from monthly, quarterly, to annually.
Termite Control and TreatmentCovers most aspects of termite treatment and control, including prevention, inspections, and eradication.
🏚️ Property DamageSome termite bonds cover termite-inflicted property damage.
⏳ Coverage PeriodWarranty period typically ranges from one to five years.
❗ Exclusions and LimitationsUsually bonds don’t cover pre-existing infestations, certain termite species, or damage beyond a certain limit.
Read on for more details
two real estate agents talk about termite bond coverage

Table of Contents

Normal Scope of Termite Bond Coverage

Termite bonds usually include two major components:

  1. Inspections: The pest control company issuing the termite bond will conduct regular, thorough inspections of your property. The frequency of these inspections can range from monthly to annually, depending on the agreement terms, which are often based on the termite activity levels where you live.
  2. Termite control and treatment: Termite bonds cover most aspects of termite treatment and control, including preventative control measures (often annual or quarterly), termite inspections, and eradication. Sometimes termite bonds even cover termite-inflicted property damage.
(Video explaining basics of termite bonds)

Advantages of Termite Bonds

Owning a termite bond can often be advantageous for property owners. Below are some key reasons:

  • Comprehensive protection: Depending on your contract, termite bonds can offer comprehensive protection against a variety of termite species.
  • Cost coverage: The costs incurred controlling termite infestations, whether through termite baits, liquid termite treatments, or fumigations, is often covered under this agreement.
  • Damage repair: Some termite bonds also include a clause for repairing damage, covering structural damage repairs caused by the termites (but not all, so please check the fine print of any termite bond you’re interested in).

Disadvantages of Termite Bonds

While a termite bond is a robust protective measure against termites, it’s important to note that not all termite contracts are created equal. Here are some potential exclusions or restrictions:

  • Types of termites in the area: In some cases, termite bonds only cover the types of termites that live in the area where the property is. This means if an invasive termite species, like Formosan termites, infests your building, such a termite bond wouldn’t help you. If Formosan termites or other invasive termite species have been found in your area, make sure their covered in any termite bonds you’re interested in.
  • Damage limitations: A termite bond might not cover the full damage cost if the damage exceeds a certain limit. Ensure you consider if this threshold is acceptable to you.
  • New infestations: Some termite bonds might not cover newly discovered infestations if they weren’t present at the time of the initial inspection.

Regardless of these possible limitations, termite bonds often prove to be wise investments, acting as armor against potential termite infestations. Understanding termite bonds’ fine print and details thoroughly, however, is key to making the most of them.

(Video explaining how some termite bonds don’t cover invasive termites like Formosan or Conehead termites)

🛡️ Pros and Cons of Termite Bonds Summarized 🛡️

🌟 Pros of Termite Bond 🌟⚠️ Cons of Termite Bonds ⚠️
✅ Comprehensive protection❌ Limited types of termites covered
💰 Cost coverage💸 Damage limitations may apply
🛠️ Damage repair included🆕 New infestations might not be covered

Additional Termite Bond Coverage Details

To further understand what a termite bond covers, it’s important to consider the following aspects:

Termite Inspections

Regular termite inspections are a crucial component termite bonds. These inspections are conducted by professionals who are trained to identify signs of termite infestations. During inspections, professional pest controllers carefully examine your property for any evidence of termite presence, including:

If a termite control professional finds any of these signs of termite activity, they’ll inform you and recommend an appropriate treatment to eliminate the infestation and control measure to prevent termites from re-infesting your property.

Termite Treatment Options

A termite bond includes provisions for termite treatment and control. The specific methods used may vary depending on the severity of the infestation and the preferences of the pest control company. Common treatment options covered by a termite bond include:

  • Liquid termite treatments: This involves the application of liquid termiticides around a property’s perimeter and other critical areas to create a protective soil barrier against subterranean termites.
  • Termite baits: Baiting systems can be installed around the property to attract termites, and even on termite-infested trees. Once termites consume the bait, they’ll, ideally, unwittingly take it ack to their colony, eventually eliminating the queen. Then it’s game over for their empire.
  • Fumigation or Heat treatments: In severe cases where drywood termites have caused significant damage or have infested a large area of structure more treatments like fumigant or heat tenting may be necessary. These treatments are designed to eradicate termites deep inside a building where spot treatments are infeasible.

Termite Bond Coverage Period

Termite bonds often come with a warranty period. This period typically ranges from one to five years, depending on the terms of the agreement. During this warranty period, if a termite infestation occurs or reoccurs, the pest control company will provide the necessary treatments without additional cost to the homeowner. It is important to review the terms and conditions of the warranty to understand the duration and extent of coverage provided.

(Video explaining why it’s so important to read all the fine print of a termite bond—a Florida family had hire a “Bug” Lawyer to help them after a termite control company attempted to avoid paying for termite damage when they failed to detect termites during their inspection)

Exclusions and Limitations

While termite bonds provide valuable coverage, it’s important to be aware of any exclusions or limitations that may be outlined in the contract. Some common exclusions and limitations include:

  • Pre-existing conditions: Termite bonds generally do not cover pre-existing termite infestations. It is crucial to have a proper termite inspection before entering into a termite bond to avoid such exclusions.
  • Maintenance responsibilities: Homeowners are typically responsible for maintaining the property to prevent termite infestation. Failure to fulfill these responsibilities, such as addressing moisture issues or removing wood debris around the property, may result in limitations or the voiding of the termite bond coverage.

Deciding How Much Termite Bond Coverage is Enough

When considering a termite bond, it’s essential to assess the following factors:

  1. Property location: Different regions have various termite species, and the prevalence of these species can influence the coverage needed. Understanding the specific types of termites in your area is important for selecting an appropriate bond.
  2. Property condition: The age, construction type, and susceptibility of your property to termite infestation should also be taken into consideration. Older properties or those with wood-heavy construction may require more extensive coverage, particularly since pre-construction termite treatment doesn’t last forever.

Remember, a termite bond serves as a preventive measure and protection plan against termite infestations and associated damages. Consulting with a reputable pest control company will ensure that you receive the most suitable coverage for your specific needs.

Frequently Asked Questions About What a Termite Bond Covers

1. Does a termite bond cover damage caused by termites?

Yes, termite bonds sometimes cover the repair of structural damage caused by termites. But please carefully review your specific termite bond contract to understand the extent of its coverage; note its limitations and exclusions. Every termite company has different stipulations on their termite bonds. Also, check your state’s or city’s regulations and laws because they sometimes constrain what termite bonds can and can’t cover.

2. Are termite treatments covered under a termite bond?

Yes, termite treatments are typically covered under a termite bond. This can include the cost of implementing various termite control measures such as liquid treatments, baiting systems, or heat treatments, depending on the terms of your agreement.

3. Are annual termite inspections included in a termite bond?

Yes, regular termite inspections are a fundamental component of a termite bond. The frequency of these inspections may vary depending on your agreement, but they are typically conducted on an annual basis to ensure early detection of any termite activity.

4. Does a termite bond cover all termite species?

The coverage of termite species can vary depending on the geographical location and the terms of your specific termite bond. Some contracts may provide coverage for a wide range of termite species, while others might focus on the most common types found in a particular region.

(Video explaining why some termite bonds only cover certain types of termites and certain maintenance issues that property owners sometimes neglect that often nullify termite bonds.)

5. Can I transfer my termite bond to a new homeowner if I sell my property?

In many cases, termite bonds are transferable to new homeowners upon the sale of a property (but not to a new property). But check the terms and conditions of your specific contract to understand any requirements or fees associated with the transfer process.

6. Does a termite bond cover future termite infestations?

Termite bonds typically cover future termite infestations discovered during the term of the contract. However, it’s important to note that some contracts may exclude coverage for new infestations if they were not present at the time of the initial inspection or if they are of a different termite species than initially identified.

7. Can a termite bond cover damage caused by pre-existing termite infestations?

Make sure to read and talk to the termite control company about the details of your contract to make sure you understand the coverage.

❓ Summary of Termite Bond Coverage FAQ❓

🤔 FAQs 🤔📝 Answers 📝
🏠 Does a termite bond cover damage caused by termites?🤷 Sometimes, depending on the contract
Are termite treatments covered under a termite bond?✅ Typically, yes
📅 Are annual termite inspections included?✅ Usually, yes
Does a termite bond cover all termite species?🌍 Varies by contract and location
🔄 Can I transfer my termite bond to a new homeowner?📝 Often, yes, but check contract terms
🕵️‍♀️ Does a termite bond cover future termite infestations?🤷 Typically, but there may be exclusions

You can obtain a good grasp of what is guaranteed by a termite bond and make wise decisions when entering into one of these agreements by getting answers to these frequently asked questions. To ensure you fully understand the protection provided, verify and discuss the precise terms of your contract with the termite control firm.

Leave a Comment

I accept the Terms and Conditions and the Privacy Policy

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Featured on lifehacker.com
Leading the way in termite information

Let's tackle termites together

Prevent termites
Identify Termites
Remove Termites

I paid way more for termite treatment than I'd like to admit. I hope this site helps you avoid doing the same.

Get a Free Estimate

You can answer a few questions to get free, no-obligation quotes from several pest control companies.

You can then compare them and save money.

Request Free quotes

Termite Advise

Termite control is something most of us don't think much about until there's a problem. I didn't think about it until I found out I had a termite infestation (later than I should have).

This website gives you some simple strategies to identify and prevent termites.

Contact Me

I don't have a newsletter set up yet, but please reach out to me with any concerns or questions.

Get in touch