Alabama is a high-risk state for termites and the damage they do to your home can be very costly and inconvenient to repair. Repair costs can reach into hundreds of thousands or even millions of dollars and serious structural damage may even require you to move out of your home during remediation and repair. You may think there’s nothing you can do to recover compensation for termite damage, but your pest control company, a home seller or homeowners’ insurance could be liable for the damage caused by a termite infestation. At Moore Law Firm, our attorneys have decades of experience fighting for our clients’ rights and can determine whether filing a termite damage claim can help you recover compensation for your losses.
Who Is Responsible for Termite Damage?
There are several entities that may be liable for termite damage claims when an infestation decimates a home. If you’ve recently purchased a home and the seller or home inspector concealed termite damage, they may be responsible for paying to have it remediated and repaired. A professional pest control company may also be liable if they did not detect termites or their treatment was ineffective. Although many homeowners’ insurance policies cover termite damage, the language in these policies is often convoluted and homeowners aren’t even aware that they have coverage. Even if you are covered, there is a very good chance that your termite damage claim will be denied. That’s why it is vital to seek the counsel of an experienced attorney who can help you recover the full amount of compensation to which you may be entitled.
Recovering Compensation from Your Pest Control Company
Even if you’re fed up with your pest control company, don’t cancel your agreement until you obtain the advice of legal counsel. Pest control companies often have contracts with ambiguous language that seeks to limit damages and suppresses your right to file a termite damage claim. Our attorneys are well-versed in Alabama law and go over these contracts with a fine-toothed comb to see if your pest control company used unfair disclaimers of liability. It’s also important to provide as with us much documentation as possible, including treatment reports, photos of the termite infestation, damage to your home and pieces of damaged wood. This valuable evidence can help us develop effective legal strategies to recover compensation for your losses. While many termite companies use correct chemicals to prevent/treat termite infestation, there have been instances of fraud where companies do not use correct chemicals or chemicals at all which put your property at risk. Once a claim is turned in, they find a way to deny the claim. This is why you need legal representation immediately to preserve evidence and to fight these companies to get the compensation you deserve.
Dealing with Insurance Companies
Submitting a claim for termite damage to your insurance company can be daunting. Insurance companies are in the business of making money and will most likely deny your claim from the get-go or offer an inadequate settlement amount. Our attorneys will carefully review your policy and help you understand your rights. Even if your policy has specific termite exclusions and your claim is denied, there may be viable legal remedies to recover compensation. At Moore Law Firm, we having extensive experience battling with insurance companies and winning. Our legal team has recovered millions of dollars in compensation for clients in cases involving other types of homeowners insurance claims, car accidents, premises liability, product liability and other matters involving personal injury and property damage.
Holding Sellers and Home Inspectors Accountable
Unfortunately, Alabama law does not require sellers to provide a list of defects to potential homebuyers but there are exceptions to this rule. If a homebuyer inquires about a specific defect such as a pest infestation, the seller is required by law to answer honestly and disclose known defects. Failing to do so could result in the seller being liable for termite damage. If you recently bought a home that ended up having a termite infestation, you may be able to bring a claim against the seller for misrepresentation, negligence or fraud. However, you have to demonstrate that the seller knew that that the defect posed a direct threat to your health or safety, which can be very difficult to prove. If a real estate agent, termite inspector or home inspector knowingly kept this information from you they may be liable as well. These types of cases are complex and can get bogged down in legal technicalities. Having an experienced, qualified attorney by your side can help you recover the compensation you deserve.
Contact Us to Learn More About Termite Damage Claims
If your home has been damaged by termites, recovering maximum compensation can allow you to perform the repairs you need and protect your financial security. Call Moore Law Firm at 251-445-7602 or contact us online to schedule a consultation.