Inspections And Insurance

Your bank requires insurance on your home and auto if you hold a loan with them. You take the time to invoice all your valuables so insurance policies will cover damage and losses of said items. That fancy smart watch on your wrist comes with a manufacturer’s warranty if there are defects. You bought the extra warranty for computer you are using to read this blog post because you want additional protection from the fact that “stuff happens”.


So… here’s my question to you – ALL of you: Why didn’t you schedule an annual pest control inspection? Take a minute to compose your answer. I’ll wait.

What’s it worth to know your property is protected? Homeowner policies don’t cover pest control damage because insurance companies determine that pest damage is preventable. That’s right…..PREVENTABLE. Yes, even in your home, stuff happens.

Termite damage, carpenter ant damage , carpenter bee damage isn’t covered in a homeowner’s insurance policy. It isn’t something the homeowner can add to a policy like flood or water damage. Simply put… There is NO coverage for pest damage.

Dust application for carpenter bees in my garage


Some pest companies charge for an inspection without service, some don’t. The criteria for this varies based on location & which company is called to do the inspection. It is up to you as the homeowner, to make sure you understand what the inspection covers and if a warranty is included. Making sure you get what you are paying for is key.

Annual home pest inspections aren’t required by homeowner’s insurance. I talked to my own insurance agent about this. As a State Farm agent, she said she wasn’t aware of any instances where a homeowner tried to submit a claim for insect or other pest damages. In Kansas (my state of residence), the only pest damage that IS covered with my insurance policy is from a wild bear.

Damage from goats isn’t covered, either.

Pest control inspections are comparable to those insurance policies and warranties. They offer protection and peace of mind for your property , which is likely your biggest investment. Pest control inspections, with or without regular chemical applications, can give you the information to keep your property intact. We all want our homes to be a safe, livable space for years to come. Pest control inspections are one step to do that.

Those annual pest control inspections cost less than the warranty for that new laptop computer you just bought. You will be replacing electronics every few years due to outdated technology, and buying yet another insurance or warranty policy to cover damages and defects. Doesn’t your home deserve the same consideration?

Published by Melisa Arnold, A.C.E.

My career in pest management began while working in a flour mill as the “in-house” technician in 2008. I am certified in multiple states. I began working full time as a fumigation-pest control tech in 2010. I achieved my Associate Certified Entomologist (ACE) in 2018. I have a Master Tech certification from Kansas State University/Kansas Pest Control Association. I hold a Bat Management certification from NWCOA. Every day, I realize how much I DON’T KNOW. My goal for this blog is to share my every day experiences from the field and to make us all think outside the box for solutions to make pest control make sense.

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