05/07/2026
Termite Tom Says: Sometimes It’s Worse for Terminix to Pay for Repairs. How Could That Be?
Terminix’s hired-gun engineering expert swore the maximum termite damage to a bayside historic treasure was no more than $250,000.
He said that after hours of inspection by his team. We are talking about a hand-on-the-Bible promise.
He was off by almost $4 million — based on invoices actually paid by Terminix’s victims.
These are the same kinds of people Terminix uses to “handle” customers and “manage Terminix’s risk” before victims talk to someone who knows where the skeletons are buried.
Terminix has been adjudged and determined to be guilty of systemic fraud in its termite prevention business. It told investors to expect more losses. We hope to help that prediction come true.
Terminix also reported in an internal analysis that it averages about $17,000 per claim when homeowners handle their own first termite damage claim — but about $1 million when they find their way to Termite Tom.
Victims report being warned that if they “talk to Termite Tom,” their claim will be closed.
This has gone on so long that it is logical to assume the bullying works.
The claims handlers are not alone. They are backed by lawyers, paralegals, consultants, and experts.
Some lawyers appear to be pre-stationed in high-termite-population zones — like FEMA before a hurricane — because they know this is claim denial and minimization season.
They are looking for ways to keep customers from doing the one thing their own analysts fear: calling Termite Tom.
Swarm and claim denial season runs from now through early fall.
If Terminix can get away with it, it tries to get the customer to approve payment for only the visible damage.
Terminix knows what the customer usually does not: visible termite damage is often just the tip of the iceberg.
Even the structural engineer used by the world’s largest termite company since 2017 agrees that, in the many cases Terminix has lost after he was paid to testify against Termite Tom, the “whole wall rule” applies.
That means this: if there is any sign of termites on or in an enclosed wall, floor, or ceiling system, Terminix should plan to pay an amount equal to replacing that whole wall — from ground to roof.
But during the claim process, when no jury, judge, or arbitrator is watching, Terminix’s practice is to pay for a narrow repair scope and refuse to keep tearing out and opening up until everyone is sure all possible damage caused by its fake termite prevention service has been found and fixed.
Educate yourself about termites and the companies frequently sued for termite fraud at TermiteTom.com.
Do not give up. Educate yourself. Ask for help when you are out of your comfort zone.
TermiteTom.com - educational information about claims and termites.
