Take a look at this scenario. It’s been two years since your termite treatment, and you spot a fresh pile of pellets under the windowsill. The termites are back. So, who pays?

The answer sits in one document most homeowners sign without reading: the termite warranty. And not all warranties are built the same.

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Drive from Santa Clara into San Jose, and you probably won't notice where one city ends and the other begins. Termites won't either. Both cities sit on the same valley floor, share the same weather, and deal with the same termite species.

So why can two homes a few miles apart need very different termite plans? The answer is in the houses, the ground they sit on, and the neighbourhoods around them. Let’s take a look at why the same valley with the same climate faces different termite problems.

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Two Bay Area homes just a few miles apart can have completely different termite problems. This is because the Bay Area isn't one climate. It's a patchwork of foggy coastlines, hot inland valleys, and mixed urban neighborhoods, and each environment favors a different type of termite. 

Knowing which termite species is likely in your area is the first step toward choosing the right treatment.

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No two termite quotes look exactly alike, even for homes on the same block. That's not a red flag. A termite quote isn't really pricing "termite treatment." It's pricing a specific combination of infestation type, home size, treatment method, and warranty coverage. Once you know those pieces, a quote stops feeling like a mystery number and starts making sense.

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If you own a condo, town home, or unit in a multi-family building anywhere in the Bay Area, a termite problem raises a question that single-family homeowners rarely think about: Whose job is it to fix this? Is it the HOA's responsibility, or yours? The answer depends on what kind of property you own, what your governing documents say, and where exactly the termites are found.

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