[bimmertl]

Originally Posted by retiredguy123

The risk is low, but the termite treatment/insurance is a lot less expensive than homeowner's insurance, where the risk is also low.

HO insurance covers direct losses. Termite damage is a loss over time and not a direct loss. In addition, standard HO policies exclude coverage for any damage caused by insects.

[VApeople]

Originally Posted by VApeople

In eighth grade in 1958, our shop teacher said that termites were a real problem in Florida and that was why much of the new construction was concrete block stucco (CBS).

Originally Posted by retiredguy123

Your teacher did not tell you the truth.

Exactly what did my eighth grade teacher say that was untrue?

That termites are a problem in Florida?

That much of the new construction was CBS?

Please be specific!

[BrianL99]

...

[retiredguy123]

Originally Posted by VApeople

Exactly what did my eighth grade teacher say that was untrue?

That termites are a problem in Florida?

That much of the new construction was CBS?

Please be specific!

I concluded that the teacher was saying that houses were being constructed with concrete block to prevent termites from invading and damaging the house. If so, that is not true. Concrete block construction and wood stud construction have equal risk for termite invasion and damage. Using concrete block construction does not reduce your risk for termite damage.

[bowlingal]

termites eat dead wood. NOT palm trees growing ( unless they are dead ) or other growing trees. Mulch around your house could be a problem ( they love mulch), this from an exterminator that checked my house for termites just yesterday. And yes, termites are a problem here in Florida.

[Happydaz]

Originally Posted by bowlingal

termites eat dead wood. NOT palm trees growing ( unless they are dead ) or other growing trees. Mulch around your house could be a problem ( they love mulch), this from an exterminator that checked my house for termites just yesterday. And yes, termites are a problem here in Florida.

Moisture is what they like. Rock mulch provides the same moist ground for termites to tunnel through.

[Normal]

Originally Posted by Happydaz

Moisture is what they like. Rock mulch provides the same moist ground for termites to tunnel through.

There are termites which eat rock? Who knew? We are all goners! Lol

[Two Bills]

Be thankful you live in Florida.

Termites infest and damage approximately one out of every five houses in Australia, or anywhere between 130,000 and 180,00 Australian homes each year.

[retiredguy123]

Originally Posted by bimmertl

HO insurance covers direct losses. Termite damage is a loss over time and not a direct loss. In addition, standard HO policies exclude coverage for any damage caused by insects.

I agree that homeowners insurance doesn't cover termite damage. I was just comparing two different insurance policies in terms of their overall cost versus benefit calculation.

[Wing-nut2]

In 2000, I had problem in my house. The cost to repair was over $75,000. I had insurance so the company paid for everything. These houses may be cinder block, but if you look around your walls and attic, you'll find a lot of wood. Small price to pay.

[villagerjack]

Originally Posted by retiredguy123

Your teacher did not tell you the truth. A concrete block house doesn't do anything to prevent termites from damaging a house. Most termite damage is not structural. They eat door frames, window frames, baseboards, drywall, carpeting, and other parts of the house. They rarely eat structural elements in the house. Also, concrete block will not deter termites from entering the house.

Y

The termites have to be there to do the damage you are suggesting but if you look at the Map the incidence of termites in The Villages is ZERO.

Been here 15 years and never heard or saw of a single case. Yet Nassey and others continue to increase the cost of their service and “insurance”

[dewilson58]

Originally Posted by villagerjack

Been here 15 years and never heard or saw of a single case. Yet Nassey and others continue to increase the cost of their service and “insurance”

Been 40 years and my house never burnt down.

Been 40 years and I never totaled a car.

[villagerjack]

Originally Posted by Wing-nut2

In 2000, I had problem in my house. The cost to repair was over $75,000. I had insurance so the company paid for everything. These houses may be cinder block, but if you look around your walls and attic, you'll find a lot of wood. Small price to pay.

You had a concrete block home in The Villages with metal studs and you had $75,000 in damages from termites before you noticed it? Where is this home located?

You could replace your entire roof with new studs 3x for $75,000.

[villagerjack]

Originally Posted by dewilson58

Been 40 years and my house never burnt down.

Been 40 years and I never totaled a car.

.

BUT the incidences of occurrences of home fires and car accidents is a lot more prevalent than incidents of Termites destroying homes.

Do you recall the tornados tearing through The Villages about 15 years ago ? The damage to your home and car do not have to be as extensive as a totaled car or a hone burned down fir you to have insurance.

Have you ever asked Massey or others about showing g you evidence of the incidence of Termites in The Villages? I have and got no answers.

[villagerjack]

Originally Posted by Babubhat

The premium versus cost of incident is too high to ignore

How many incidents ?