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Termite bonds in Florida cost $100-$400 annually and provide either retreatment-only or repair coverage. Understanding what you are buying matters before signing. Here is the framework.
Two types of termite bonds
1. Retreatment bond
Pest control company will retreat for free if termites return. Does NOT cover damage repair. Cheaper option.
2. Repair and retreatment bond
Covers retreatment AND repairs damage caused by new termite infestations after initial treatment. More expensive but better protection.
What termite bonds typically cover
- Subterranean termite retreatment.
- Periodic re-inspection (typically annually).
- Some include drywood termite coverage (verify in contract).
- Some include Formosan termite coverage (often excluded).
What they typically EXCLUDE
- Damage existing at time of contract.
- Wood-destroying organisms other than specified termites.
- Carpenter ants, powderpost beetles (unless specified).
- Repairs above contract dollar limit.
Florida-specific considerations
- Most home sales require WDI (Wood-Destroying Insect) inspection report. Active termite bond simplifies this.
- Bonds are often transferable to new owners (verify in contract).
- Some lenders require active termite bond for mortgage approval.
Cost reality
- Initial treatment: $1,200-$2,500.
- Annual bond renewal: $100-$400.
- Cost over 10 years: $2,200-$6,500.
- Without bond, single termite damage repair can cost $5,000-$15,000+.
Verdict
For Florida homeowners, a repair-and-retreatment termite bond is generally worth the annual cost. The risk of structural termite damage in Florida is high enough that the insurance value justifies the premium. Always read contract carefully and verify transferability.
Reminder: Always read product labels and follow safety instructions.