Everyone with a home and a mortgage has homeowners insurance. The standard home owners’ policy excludes vermin damage from being covered. That is because this type of problem happens over a certain amount of time.

The evidence of these wood destroyers is usually recognizable before that happens. That is why insurance does not cover their handiwork. It’s similar to wear and tear in a house or on a roof. After twenty years the average northern New Jersey roof will be looking pretty bad. Homeowners insurance does not and will not pay for a new one, unless a storm happens to come along and helps strip it off.

This is why evidence of vermin must be dealt with quickly. A New Jersey pest control professional can help you deal with any invasive pest as safely and efficiently as possible. This expert offers repair services too but this is an expense you have some control over. Reaching out to a New Jersey pest technician at the first sign of pest activity will limit the amount of damage done to your home and limit the associated expense.

Termites particularly favor areas that have dampness and warmth, such as chimneys, near hot water heaters and hot water pipes. Signs of infestation can include swarming activities in the early spring, the mud tubes that are used for protection when going to the food source and mud seen by cracks in wood.

The first sight of a termite swarm may not necessarily be an indication of a new infestation. If you see swarming in the spring it could mean that the termites have been using your home for food for a couple of years or more. These swarming insects are looking to establish new colonies. The colony they come from could have already done considerable damage to your home.

Any evidence of termites at any time of the year should cause you to reach out to a New Jersey pest professional. A New Jersey pest control professional has the experience required to correctly identify the problem insect and choose the best plan for their full eradication.