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Last Modified on May 15, 2026
If your home has termites, it is because a termite company did not properly conduct a termite treatment and repair. If the service was done properly, you wouldn’t be left with termites. In this situation, you are able to file a claim for compensation. When preparing to file a claim, many homeowners wonder, “What impacts the value of a termite damage claim?”
The value of a claim is difficult to exactly determine, as each case involves unique damages and circumstances. In general, more severe damages or cases involving a company’s extreme negligence result in higher amounts of compensation.
Factors That Impact How Much a Termite Damage Case is Worth
The two biggest factors that impact how much a claim is worth are what damages you have suffered and their severity. However, other factors may impact the claim’s value and how easy it is to recover compensation. For example:
Evidence of the damage is often used to determine your damages. Because of this, avoid trying to treat termites yourself, as you may end up damaging important evidence.
Types of Damages You Can Recover Under Termite Damage Laws
Compensation should cover the damages you have suffered. Termites cause $6.8 billion of property damage each year, with different property owners facing unique damages. Because the types of damages can vary, it is important to work with a termite damage attorney who can analyze your losses and calculate their financial value.
Some of the most common damages property owners can recover include:
- Repair and restoration costs. The home repairs associated with termite damage can be overwhelming. Often, property owners must pay for structural repairs, material replacements, mold treatment, contractor fees, and professional evaluations. By filing a claim, you can recover compensation for these repair costs.
- Living expenses. You may be able to recover living expenses if the termite damage made your home unsafe or uninhabitable during repairs. These expenses may include hotel stays or other temporary housing, storage fees, and the increased cost of food.
- Decreased property value. Termite damage can decrease home value, especially if there is an active infestation or if the termite damage has not been professionally repaired. If a professional appraisal reveals a decrease in property value, you should speak with a termite damage lawyer about whether this decrease can be included in your claim.
- Mental anguish. Discovering that your home has termite damage can feel shocking, stressful, and anxiety-inducing. At Campbell Law, P.C., we not only seek compensation for your monetary losses but also for the emotional distress that termite damage can bring. Compensation can be increased to reflect the stress and overwhelm that the case involved.
- Punitive damages. Punitive damages are available in cases where the at-fault party, such as a deceptive insurer or a negligent termite treatment and repair company, committed extreme wrongdoing. These damages can greatly increase the value of your claim.
How You Can Achieve a Fair Recovery
If you are concerned about recovering enough compensation, the first thing you should do is to hire a termite damage lawyer. They can help you build a strong case that proves liability and your damages. They may use evidence such as photos and videos of the damage, professional evaluations, repair estimates, invoices, and insurance policies or bonds.
A lawyer can also help you make a full recovery by negotiating on your behalf. Even against large termite companies that seek to deny claims and prevent payouts, a lawyer can advocate for your case and negotiate for increased compensation.
FAQs
How Much Does Termite Damage Decrease Home Value?
The impact of termite damage on your home’s value depends on the severity of the damage and what repairs have been completed. Minor damage that has been professionally repaired is likely to have a small effect, typically reducing the value between three and five percent. Significant issues, such as an active infestation, lack of disclosure, or severe structural damage, have a more significant effect, often reducing value by between 20 and 25%.
Does Termite Damage Affect Appraisal?
Yes, termite damage does affect a home’s appraisal, both by potentially leading to reduced home value and also being included on reports. Appraisers look at the property’s overall condition, signs of active infestations, signs of previous damage, and any necessary repairs needed due to termite damage. An appraisal may also result in a termite investigation if the appraiser notices termite damage.
How Expensive Can Termite Damage Be?
The cost of termite damage varies widely depending on the size of the infestation, the extent of structural repairs, and whether you pay for a termite bond. The average cost of termite damage in U.S. homes is $3,000. However, more severe damage can be much higher. Repairs to support beams, roofing, flooring, or the foundation tend to be more expensive.
Hire a Trusted Termite Damage Lawyer From Campbell Law, P.C.
Campbell Law, P.C., is an experienced firm dedicated to helping property owners handle claim denials during a termite damage case. While past outcomes can’t guarantee future results, we have successfully won or settled over 21,000 claims, recovering more than $400 million for our clients.
Thomas Campbell has earned the nickname “Termite Tom” due to his reputation for aggressively pursuing compensation for victims, even against major termite treatment and repair companies, including Terminix. If you are wondering how we can help you achieve fair compensation even when termite companies or insurers undervalue or deny your claim, contact us to set up a consultation with a skilled termite damage attorney.
