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A Three year old House with Termites?

A Florida transplant from New Jersey thinks he has a termite problem....

I was a former New Jersey resident now living in Citrus County in Florida.  I read you pages on the internet and found them to be very informative.  I own a home that is three years old.   It is on a slab and we are on basically sand. (9 miles from the Gulf in Crystal River Florida).  The ground was treated with a chemical barrier for termites.  I have not been able to find out what chemical was used.
I have been renewing the  service since we bought the home.  they inspect the home each year, however, they have not found any termites nor have they done any additional treatment.  They are trying to now sell me the baiting system (sentricon), saying that my  protection is now down 40 to 45 % because of the time span.  I can renew my yearly contract @ $125 per year for the next 2 years.  With it is a $100,000.00 policy if any damage is found. For the baiting system they want approx $525 for the initial canisters and followup and approx $210.00 per year, with a $200.00 damage policy total and $50,000.00 each occurance.
My feeling is to continue for the next two years at the $125.00 per year, and worry about it when the house is 5 years old, or just do my own inspections and not continue with anything.
Please give me your professional opinion.
Dick Stone

And I wrote back with....

Hi, Dick:

Sounds like a swell place.  Six miles from the gulf.  Can I come for a visit this winter?

Sounds like you're getting "upgraded."  Rhymes with "screwed."  Opt out of the bait plans, Dick, they're just expensive to implement and never-ending, with regular price increases so soon you're wondering who owns your house.  A three year old house? You've got at least another 10-15 years before you have to worry.

The $100,000 - $200,000 crap is just smoke and mirrors.  Do you know how long it would take termites to eat up $100,000 of a house?  And how many times do you think they have paid off on that claim?  I'll venture a guess - how 'bout never?

If your house has already been treated, just wait.  Termites might not happen again for YEARS and YEARS.  Especially in your NEW, three year old house.  Only danger would be if you added on to the house, changed the sub-structure (or finished off a garage) - then you can affect the termite problems.  Have new additions PRE-TREATED during construction.

Get back to me if you have more questions!


Dick wrote back....

Hi John:

Thank you for your swift answer.  I really appreciate your input.  After surfing the net, I had come to the conclusion that you just gave me.  I am just going to continue doing my own checking.   Thanks again.
Visit us anytime down here.  It really is a great place to live.
Dick Stone

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