How on earth is pest control related to home insurance?
Have a read of an extract below:
Home insurance and termite damage – you’re not covered
Many homeowners are unaware that they are typically not covered for termite damage under their home insurance.
‘Loss or damage arising from insects and vermin’ is not covered by most insurers here in Australia and many homeowners only learn this when their claim is denied. This type of damage is seen as a preventable event and the responsibility of the homeowner.
It’s also not uncommon for homeowners not to read the policy disclosure statement, (PDS) and the exclusions, or what they are not covered for.
Unfortunately, some insurers also don’t take the time to explain policy coverage and exclusions at the time of purchase, often at the homeowners expense.
Common myths dispelled
- Steel framed homes wont be affected by termite damage – all homes contain some timber including skirting boards, paper backed gyprock, (dry-wall).
- Concrete slabs are protected – they provide no protection against a termite attack.
- Home insurance will cover termite damage – No!
Can you afford not to be covered?
It is estimated that one in four homes will experience termite damage at some stage.
The average cost of repairs for termite damage in Australia is $7,000, but costs frequently increase into the tens of thousands, sometimes hundreds of thousands and do not include costs such as temporary accommodation or loss of the home.
For home owners such as self funded retirees, people on a fixed income or large families, this is something that is simply unaffordable and deeply stressful.
How to prevent termites at your home
Prevention is always better than cure.
Most people have never seen a termite or the damage they cause. Termites can go undetected for several months and might only be discovered when the vacuum cleaner bumps the skirting board which crumbles to dust or strange mounds of dirt start to appear in a cupboard or around the property.
What to do about termites and your house insurance situation:
- Contact your insurer and find out exactly what your home and contents insurance policy covers.
- Find the RIGHT Pest Controller:
- When you contact a pest controller tell them your concerns.
- If they offer a “Termite Check” – call someone else – you need a pest controller who will do a full timber pest inspection and written report according to Australian Standards (AS4349.3 and AS3600)
- Make sure that they are a licensed pest management technician
- Make sure that they are actually qualified to inspect for and treat timber pests. Not all pest controller are. The industry has special training and qualifications in our training package – Units 8 and 10 of the Pest Management competency standards.
- Make sure that they are properly insured (Professional Indemnity and Public Liability) – there are lots that aren’t.
- For peace of mind – always use a member of the AEPMA (Australian Environmental Pest Managers Association) – Members have to be fully insured and abide by a Code of Conduct and Ethics.
- Based on the written report, you should get some recommendations for further action. Have a look at the options suggested. Make a decision – but do something to make sure that termites will not ruin your home.
- If you’re not sure of the advice, always get a second opinion from another reliable pest control company.
Remember: Prevention is ALWAYS better than Cure