Termite Programs. How do you know what you’re getting?
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Home Page > Home Improvement > Pest Control > Termite Programs. How do you know what you’re getting?
Termite Programs. How do you know what you’re getting?
Posted: Oct 29, 2010 |Comments: 0
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Part 1
Termites and how they work
The Hampton Roads area deals with subterranean termites. They live and travel in the ground, hence the name subterranean. The colony sends out foragers to locate a food source. These termites crawl through the soil until they detect a temperature change above them in the soil. This is known as thermal detection. Once this detection takes place, they come up to investigate. Whether it is a tree branch, mulch or your home, (they are not too particular) they will begin to disassemble the source and inform the colony to come join them. When your building is crawlspace construction, the termites will normally build soil tubes up the interior foundation wall to get to the food source and these tubes are fairly easy to spot with a proper inspection. With slab construction the expansion joint is the primary area that an infiltration will take place. The expansion joint is a gap between the slab floor and the perimeter foundation block (outside walls). This type of infiltration is hard to detect and always takes place inside of the building. The inspection of the interior of the unit is vital for early detection of the termite infiltration and helps prevent further damage. A termite inspection that does not perform mandatory inspections to the interior of slab construction every year is failing to properly protect you. Termites can also infiltrate up the exterior of a foundation, for this reason it is very important keep mulch below the bottom of siding (keep a 2 inch gap from the soil to the siding). This will provide an environmental barrier and help reduce the chances of a termite infiltration.
Part 2
Termite treatment types and how they work.
Subterranean termite treatments come in 3 primary types; Liquid (Non-repellant and repellant) and Bait systems.
BAIT SYSTEMS: This system places termite monitoring stations 10 feet apart around the perimeter of the building. These monitoring station do not start with a termite bait in them. A piece of cellulose (wood) material is installed to await a termite to find the station and present a “strike”. The inspecting company will monitor the stations until a strike has taken place and then will install a bait matrix to begin the control of the colony. The control of the colony is achieved by the termites feeding on the bait and feeding it to other termites. This process can take a very long time to achieve termite elimination. During this monitoring and baiting time period there is no physical protection for the building and termite infiltration/ damage can/will take place, particularly if an active termite infiltration was the reason for the treatment to be initiated. For this reason I do not recommend Baits Systems as a primary termite defense except for certain types of construction or where a liquid application may be harmful to an “on the water” project.
LIQUIDS: Each liquid treatment is performed in the same manner, the soil were the termites travel is treated around the building and below the expansion joint so the termites will come in contact with the treatment area. From here on is the difference. A repellant will kill the individual termite quickly when contacted is made and this is a good thing with the exception that termites are not completely suicidal. They will not continue to contact a treated area if it is so adverse to them, they will look for an alternate route to the food source. So, if the repellant barrier has any area of a break of application (particularly with slab construction) they will find that way in sooner or later. Termites do not know a Non-repellant is there and continues on as normal. After about 3 hours from contact, the termite stops disassembling the food source and wanders through the colony spreading the material by contact to other termites by natural social habits. Thus the elimination of the colony takes place quickly as the workers move from the colony and food source through the treated area.
The Non-repellant is this best application method for direct and quick protection of a building, and for maximum protection, the full liquid treatment with a secondary bait system is recommended.
Part 3
Termite Warranty programs
There are 2 types of warranty programs, one is a damage or repair bond warranty and the other is a control or retreat only. Reading the fine print of all warranties offered is of vital importance, the personnel issuing the warranty may say some things but it is what is in writing that counts.
Liquid Application Warranties
DAMAGE/REPAIR WARRANTY: The issue of this warranty will repair any NEW termite damage that should occur during the warranty time frame and normally takes effect at the time of treatment or signing. READ the fine print, there are some limitations to these warranties. The issuing personnel should explain these limitations to you in detail. Always ask question to better understand the reporting process and how to identify these limitations. This type of warranty places a lot of liability on the issuing company and is the best warranty program to have.
CONTROL/RETREAT ONLY: This program does not and will not cover any termite damage at any time of the warranty. The issuing company will only be liable for retreating any reoccurring termite infiltration.
BAIT SYSTEM WARRANTY
Bait systems can carry warranties of damage or control. The damage warranty will be issued with very specific details on how or when the damage warranty will take effect. This warranty normally has some type of time frame and termite strike criteria BEFORE the damage bond will take affect. It is VITAL that you read and understand the entire warranty program before signing on. It is also important to note that bait systems are not recognized as termite treatment for real estate transactions (NPMA-33 WDI inspection report).
The best recommendation I can make is this; Cheapest and/or most expensive is not always the best, have several companies build your education of termite programs. Compare each warranty program side by side. Then, and only then, make an educated decision on which program to choose.
For More Educational Information or to speak with an expert please contact
http://www.exterminator-chesapeake.standoutwebsolutions.com
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Pro-Techs Exterminating, Inc. is founded on the belief that the education of our clients is the key to excellent customer service. That is why we do not have “Salespersons” on our staff. We are Counselors.
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Despite New Programs, Short Sale Chaos Still Reigns!
Posted by Usual in Lender Approved Short Sales, tags: Chaos, Despite, Programs, Reigns, Sale, Short, stillWhen Troy and Jane entered into a contract to purchase a short sale on March 24th, they had no idea that they would be still waiting for approval more than four months later. Calls to negotiators are met with full voicemail boxes, emails go unreturned and frustration looms. As Troy and Jane’s buyer’s agent, I am just as much in the dark as they. My SFR and CHS certifications are just as meaningless as my efforts to get in touch with the head loss mitigation, or any of his numerous minions. This is a story that should be a thing of the past. Upstaffing in loss mitigation departments, streamlined government short sale programs and the use of short sale platforms like Equator were all supposed to make the short sale process more bearable for buyers and sellers, and more profitable for major national lenders. Unfortunately, despite the implementation all these new methods and philosophies, time periods for approvals are no more predictable than they were last year.
Don’t get me wrong, the situation has improved. Most large lenders now have systems in place that have defined protocols and time periods that are at least rough guidelines for the approval process, but the end user investor still has the final say in whether or not a deal closes. What most borrowers don’t realize is that when they send their payment to Bank of America, Wells Fargo, Chase or any other company, they are sending the check to the institution that services their loan, not necessarily the company to whom they owe all that money. Virtually all lenders sold a large percentage of their loans to other financial institutions like Fannie Mae, Freddy Mac and other deep pocket investors, while still maintaining the servicing contracts for these loans. This means that, even after providing mountains of paperwork and waiting for weeks and months at a time, struggling homeowners may still have to wait even longer for the mythical “investor approval”.
Even with just the few dozen short sales that I am personally working on right now, I have some fantastic stories of both triumph and misery! One of the lenders with whom I am currently working bent over backwards to get a sale date postponed at the last minute to help my needy clients; however, despite having had everything they need to render a decision on the short sale approval, we haven’t heard from the negotiator in weeks! One of my negotiators specifically expressed that I had an approval on a file, and would be receiving it via fax in a few minutes. After trying, unsuccessfully, to get in touch with him for three weeks, I was contacted by a supervisor letting me know that he was no longer with the company and I would have a new short sale negotiator assigned to me within forty-eight hours. I am still waiting for the new one! On another property, I informed the seller that we would probably be looking at needing sixty to ninety days to get accepted terms from both lenders, and received written approval on both loans at day twenty-one!
I think the lesson that we can all take from this is that patience will ultimately be rewarded. The process is evolving. As the saying goes, “There are no perfect people, only perfect intentions.” Lenders are now working with borrowers and Realtors far more closely than they have in the past. However slowly, it appears that the short sale process is becoming more user friendly as time progresses. Although Realtors may have to wait for the next market cycle to see any kind of utopian short sale system, homeowners facing foreclosure are far less likely to have the bank pull the rug out from under them than ever before, and helping homeowners is what the whole “short sale thing” is all about.
Jeremy Colonna is a licensed California real estate broker, a Certified Short Sale and Foreclosure Resource (SFR), HAFA Short Sale Specialist (CHS) and noted radio personality. Click here to listen to
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