Why Insurance Doesn’t Cover Termite Damage – And What It Really Costs

When most homeowners think about protecting their property, insurance is usually the first line of defence. But here’s the hard truth: insurance companies do not cover termite damage. In Childers, Bundaberg, Gin Gin, Woodgate, Maryborough, Biggenden and surrounding areas, this is a costly risk because our climate makes termites especially active and destructive.

Why Termite Damage Isn’t Covered

Insurance policies are designed to cover sudden and unpredictable events—such as fire or accidents—not gradual, preventable problems. Termites cause slow, hidden damage over time, which insurers classify as maintenance that homeowners are responsible for.

Because termite infestations can be prevented with regular inspections and proper management systems, insurance companies exclude them from cover.

This means if termites attack your home, you’ll be left paying for everything—from eradication to repairs—out of your own pocket.

The Real Cost of Termites

When termites are discovered, there are usually three big costs to face:

1. Eliminating the Colony

Professional treatment is required to eliminate an active infestation. This may involve:

• Targeted baiting systems to kill the queen and destroy the colony.
  
  

• Liquid treatments applied directly to active areas.
  
  

The cost depends on the size of the infestation, but you can expect hundreds, if not thousands, of dollars just for eradication.

2. Repairing the Damage

Termites feed on timber, plaster, flooring, and even furniture. By the time they’re found, the damage is often significant. Repairs might involve:

• Replacing structural timber.
  
  

• Fixing floorboards, doors, or roof trusses.
  
  

• Rebuilding sections of walls or ceilings.
  
  

These repairs can run into the tens of thousands of dollars, particularly if the integrity of the home has been compromised.

3. Installing a Termite Management Program

Once the infestation is gone and repairs are complete, you still need to protect your home from future attack. This means investing in a termite management system, which may include:

• Chemical treated zones around the perimeter of your home.
  
  

• In-ground baiting systems for long-term monitoring.
  
  

• Ongoing professional inspections to check for new activity.
  
  

Without this, your home is at risk of being attacked all over again.

Prevention Is Always Cheaper Than Cure

Termite management may seem like an extra expense, but compared to the cost of repairs and eradication, it’s a fraction of the price. Protecting your home now is far more affordable than rebuilding it later.

At CB Pest Control, we provide tailored termite management programs designed for properties across Childers, Bundaberg, Gin Gin, Woodgate, Maryborough, Biggenden and surrounding areas. Our inspections, chemical barriers, and monitoring systems are built to stop termites before they can cause damage.

Protect Your Home Before It’s Too Late

Don’t wait until termites have already caused thousands of dollars in damage. Book a termite inspection today and let us help safeguard your home with a management program that works.