The real cost of a termite attack on your home is the repair bill and inconvenience. Last week we attended a property in Scone to complete a timber pest inspection and provide a detailed report on our findings. We found several areas of concern with this particular property in relation to termites. Although no active or live termites were found at this property, we found significant termite damage to some roofing timbers as pictured. Termite problems left unchecked – can and most likely will lead to costly repair bills.
Am I covered for termite damage with home insurance?
Typically, no. Most home insurance policies do not cover for termite or vermin damage as it is seen to be the responsibility of the home owner to protect against these pests – contact your insurer and check what you are and are not covered for.
Repair bills can and do run into the tens of thousands and generally most insurance policies won’t cover the costs. To protect your investment the best insurance you can have against termites is professional protection. Annual visual inspections which involve inspecting all accessible timbers of the structure and property, which in relation to the cost of your property and repair bills is a very small percentage, and some form of termite management system such as a chemically treated zone to protect against concealed attack mostly from Subterranean Termites.
Timber pest inspections
Management of your property usually starts with a timber pest inspection. Many people arrange a termite check, this will not provide you with a comprehensive inspection of your home. Termites are not the only pest of timber which attack homes. There are three pest capable of damaging timber; Termites, Borers and Wood Decay Fungi. A timber pest inspection is designed to look for signs of all three of these pests and provide information to the homeowner on how best to reduce the risk of attack from timber pests.
A timber pest inspection will cover all readily accessible areas of your property – Internal, external, roof void, sub-floor and outbuildings. Timber pest inspections take approximately 2 hours to complete on an average sized home and our timber pest inspectors will build a detailed written report on – any visual evidence of timber pest activity and the extent of the activity and/or damage located. A summary of any timber pest/s identified and a brief description of the potential damage they could to cause to your property. How susceptible your property is to Termite attack, by looking at elements in the environment of your property which will make it more conducive to infestation and make recommendations for improving the environment around the property, making it lest attractive to Subterranean Termites and other timber pests.
What does a timber pest inspection include?
We will inspect for environmental conditions that may encourage attack from timber pests. Moisture is one of the main contributing factors in subterranean termites nesting within or close to structures. Excessive or unnecessary sources of moisture will also entice foraging subterranean termites into your property as they love a food source close to a moisture source. Look out for plumbing problems such as leaking showers, unsealed tap flanges, leaking taps, cracks in pipes, blocked drains, hot water system and/or air conditioning overflows draining at the base of the building. Look out for roof drainage issues such as damaged down-pipes and/or guttering. Downpipes should be fixed into proper drainage, not just draining to the base of the building. Poor surface drainage and inadequate ventilation in sub-floors, (under the house).
Another important environmental condition is timber in direct contact with the soil. Subterranean Termites are travelling just under the surface of the soil foraging for food. When they locate a good food source such timber retaining walls or sleepers in a yard, or in this case a wine barrel, they’ll mark it as a food source, feed on it and worse still they are on your property. Something as simple as a wine barrel for decorative purposes could be the difference from your property being attacked or ignored – all timber should be stored off the ground.
Once the timber pest inspection is complete we can provide you with a property management proposal plan that best suits your home to ensure that it is protected in the future against attack from timber pests and significantly reduce the pressure from these expensive pests on your property.
If you’re concerned about termites at your home, contact Amalgamated Pest Control Muswellbrook today.