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Last Modified on May 13, 2026
When dealing with a termite infestation or a home with a history of termite damage, understanding what homeowners should know about termite bonds and warranties can help you protect your property and your finances. If you have termites after a treatment, it means that the termite company failed to properly conduct the termite treatment and repair service.
Many people are unsure what these agreements mean and how they can help during a termite damage case. Before moving forward with a claim or deciding whether to enter a bond or warranty, it is important to understand what these agreements are, what they cover and exclude, and what the process is for resolving damage.
What Are Termite Bonds
A termite bond is a service agreement made between a termite treatment and repair company and a property owner. This agreement includes services and ongoing protections, such as termite treatment, routine inspections, or repair services. Bonds make up a large portion of the money that U.S. homeowners spend on termite treatment, repair, and prevention. In 2026, the termite control market is already $6.27 billion.
The specific protection that a bond offers depends entirely on the specific language and terms of the agreement. Most bonds offer annual inspections, retreatment, and the option for additional services. Bonds can offer preventative services, including inspections, which 45% of homeowners believe to be more effective than repairing damage. According to termite damage laws, the two main types of bonds include:
- Retreatment bonds. These bonds require a termite treatment and repair company to provide additional treatment services if an infestation occurs during the bond’s coverage period.
- Retreatment and repair bonds. These bonds require the company to provide retreatment, as well as additional services for repairing termite damage.
Common Exclusions in Termite Bonds and Warranties
It is easy to think that a bond or warranty provides the coverage that you need. While these do offer many benefits, the reality is that there are many exclusions, which may limit the benefits you can receive. Many exclusions and limitations are buried in bonds and warranties or are only made clear after damage is discovered.
Common exclusions of bonds and warranties may include:
- Damage that existed before the initial treatment
- Areas that are inaccessible during an inspection, such as crawlspaces
- Moisture-related issues
- Damage exceeding certain financial limits
Under the termite damage laws, missing renewal payments or damage that occurs after a warranty expires can also leave you without protection.
What To Do If a Termite Treatment and Repair Denies Your Claim
While there are legal reasons for a company to deny your claim, including bond and warranty exclusions, this does not mean that all denials are final. There are many reasons that a valid claim may be denied, such as when the termite treatment and repair company:
- Refuses to provide services outlined in the bond or warranty
- Misidentifies an exclusion
- Misidentifies damage as pre-existing
- Fails to investigate your termite problem
- Improperly applied a termite treatment
Even if your claim is denied, do not treat the termites yourself. DIY solutions can damage evidence you may need in a claim. Review your agreement, and if you feel your damage should have been covered, you should hire a termite damage lawyer to help you file a claim.
A termite damage attorney can help you gather evidence proving that the treatment company failed to provide the services outlined in the bond or warranty, and can help you pursue compensation for damages such as property repairs, mental anguish, and punitive damages.
Why You Should Hire a Termite Damage Lawyer From Campbell Law, P.C.
At Campbell Law, P.C., we know how to pursue claims against large termite treatment and repair companies, such as Terminix, that fail to provide proper treatment or that do not respect a bond or warranty with a client. Our lead attorney, Thomas Campbell, has been nicknamed “Termite Tom” by termite companies due to his frequent success and large settlement amounts.
FAQs
Is a Termite Warranty Necessary?
A termite warranty is not always legally necessary, but it can provide valuable protection. Working with a termite treatment and repair company that offers a warranty can be a good idea if you are concerned about recurring issues or live in an area prone to termite activity. A warranty may also be good if you do want coverage for termite damage, since most homeowners’ insurance policies do not cover it.
Which States Have the Worst Termite Problems?
Termites are found in every state except Alaska, though states with warmer and more humid climates tend to have the worst termite problems. States such as Alabama, Mississippi, Texas, Florida, Arkansas, and Georgia are all examples of states with a large number of termite-damaged homes. About 50 different species of termites live in the U.S., so depending on where you live, you may be at risk for damage from a certain species.
Is a Termite Bond a Good Idea?
Whether you should have a termite bond depends on your level of risk for future termite issues, but it is generally a good idea. Having the additional treatment, repair costs, or inspections can help you prevent expensive repairs down the line. Before signing a bond, you should review the coverage options, exclusions, repair limits, and other details to fully understand if the additional cost is worth it for you.
How Much Does a Termite Bond Cost?
The cost of a termite bond depends on your home’s size, construction type, what level of coverage the bond provides, and the company you choose to work with. Bonds can be hundreds of dollars each year, which can be a high cost to many homeowners. However, the cost of a bond is often much cheaper than the initial service or footing the bill for a new repair.
Reach Out to Campbell Law, P.C., for Help Navigating Claim Issues With a Bond or Warranty
Termite Tom and his team can help you uphold your rights under your termite bond or warranty, holding a treatment company liable for your damages. Contact us today to speak with a termite damage attorney about your termite damage case.
