Termite Coverage for Home Inspectors

Termites are a worst-case-scenario situation for most homeowners. They can stay well hidden and are difficult to diagnose; by the time they are found, they can already have inflicted devastating damage on a home and its integrity, plus left the inspector with a lawsuit summons and an upset client.

Termites and Home Inspections

Termites can destroy the wood in a home without giving much indication of their presence. They are a difficult task for a home inspector.

Our program offers a unique endorsement just for this service.

If you offer termite, WDI inspections, you MUST have this endorsement on your policy to properly protect yourselves and your companies.

Coverage is designed to respond to claims involving “Termite or other Wood Destroying Insect Inspection Services”.

In addition to having E&O and General Liability for these services, many states require a bond too. If you need a bond, please click here.

5 Ways Home Inspectors Search for Termites

  1. Check for winged ants – Termites are easily mistaken for winged ants because they’re similar in size. You can tell the difference because winged ants have bent antennae, whereas termites have straight ones.
  2. Check for mud tunnels – This is the most common sign that a home might have termites. Check around the foundation of a home, in the attic, and near pipes for this warning sign.
  3. Check for mud in joints – Termites like to seal small holes and gaps with mud, including those found around construction joints and screws.
  4. Check for the presence of wood near the foundation – It may sound silly, but things like mulch, firewood, and wood fencing within several feet of the home’s foundation can be a great place for termites to hang out. It’s always a good idea to check these areas during an inspection if you suspect they might be an ideal place for termites to live.
  5. Check for wood damage – You may not see surface damage on wood surfaces because termites like to destroy from the inside out. You can tell by sound, though, if a panel of wood is hollow, which is a good indicator of termites. The wood also might show long, tunnel-like grooves.

By working with EliteMGA, you can ensure what you have proper coverage for the services you provide. Give us a call today to discuss adding this endorsement to your policy. Or if you don’t have coverage with EliteMGA yet, please apply here.