John Boey - Central Real Estate
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Posted by John Boey on 4/8/2018

When pests come into your home, there’s no creepier feeling that you may have as a homeowner. You may turn to your house insurance for assistance if the problem gets really bad. Let’s say that termites have taken over your home and gotten into your walls or foundation. Maybe mice have gotten into the walls of your home, or a squirrel has caused some major issues in the attic. Whatever the problem is, you want to remedy it quickly. It might be an expensive fix no matter what, but it has to be remedied for you to continue to live comfortably in your home. 


The Truth About Homeowners Insurance


Unfortunately, homeowners insurance doesn't cover pest infestations. It doesn’t matter if the termites have literally eaten you out of house and home, the insurance companies consider pests to be an avoidable problem. Even though you may wonder how bugs can be considered “avoidable,” it’s simple. The insurance company believes that regular maintenance and checking of your property can help to prevent bug infestations. This is why it’s so important to take care of your property and not neglect it. 


Collateral Damage


There are a few exceptions to the rule. If your ceiling caves in and it was caused by some of the pest damage, your insurance may cover the cost of the repairs to the ceiling. They may not cover the materials that are needed to repair the ceiling itself. Insurance claims can be tricky, so you’ll need to ask a lot of questions if these problems do occur for you.


What Homeowners Insurance Covers


There’s nothing more frustrating than paying an insurance premium to find out that it doesn’t actually cover anything that you need at a certain point and time. As a general rule, homeowners insurance policies cover things that are considered accidental. This would include natural disasters like hurricanes, hailstorms, or high winds. If a tree falls on your home due to a windstorm, there was really no way of preventing that from happening. Your insurance would cover this. Damage that happens over an extended period, like that of a pest infestation or an aging home generally is not covered by house insurance. 


Separate Policies


Some insurance companies do offer separate policies to cover damage from certain types of pests like termites. There are several varieties of insects that cause damage to wood structures, so these policies may be more general stating that they provide “wood destroying insect” coverage. If you live in an area that’s prone to termites, there’s a few options available to you including something called “termite bonds.”


Your best course of action as a homeowner is prevention. Keep up with regular maintenance around your home and inspect your home regularly for any problems that you may find.




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Posted by John Boey on 3/13/2016

There are different types of pest control measures, all of which target specific pests. What works in the home may not necessarily work outside. Knowing the type of pest you are up against will help determine what measures are needed.  The following information will provide a basic understanding of pest control. Eliminating Breeding Grounds The first step to pest control and the safest measure is to eliminate breeding grounds.  Remove trash, yard and garden debris, and other clutter where pests breed and nest. Be certain drainage systems are in working order to eliminate stagnant water. Keeping the area surrounding your house clean and free of pest habitat will help inhibit the growth of a variety of species. Biological Pest Control This is the control of pest in a biological manner, pests are effectively dealt with and controlled. Controlling mosquitoes for example with the use of bacteria  Bacillus thuringiensis ssp (Bti)  will kill off mosquito larvae with no effect on other species. This method has the least negative impact on the ecosystem. Pest Traps Pest traps are available in many styles and are safe and effective for many pests.  You can find anything from an insect trap that is safe to put in your pantry, to a catch and release rodent trap for your yard.  A bit of research will help you determine which trap is best for your pest control needs. Poisoned Bait If you are combating rodents, this is a very effective method that's being used in many households.  The poisoned bait is placed in areas experiencing the most pest presence.  As with all poisons, once consumed the pest will die.  However, this method comes with potential risks to pets and should not be used in households with small children.  A pest control specialist should always be consulted prior to using poisoned bait to ensure it is a safe option for your household. Space Fumigation This is one of the most costly means of pest control but very effective. It can be used even in open spaces. This involves the use of an air tight spray kit in which there is no vacuum. The fluid is pumped out as fumes through the nozzle, permeating the environment. The advantage of this is that the kit can be used for almost any type of liquid fumigant, the disadvantage is that it can have a negative effect on the ecosystem.  This type of pest control must be administered by a professional pest control specialist. An individual should never use pest control products without the guidance and supervision of a pest control specialist.  Read all labels carefully and adhere to all hazardous warnings associated with any pest control products you are considering using.







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