Closer Look Inspections, Inc.

In the intricate world of real estate, understanding the nuances that influence home insurance premiums is paramount. Today, we're zoning in on a specific factor that significantly impacts insurance costs: termite risk in different types of home construction. The spotlight is on comparing single-story block homes with two-story homes that feature block on the first story and a wood frame on the second. Single Story Block Homes: A Bastion Against Termites Single-story homes constructed entirely with block (concrete, cinder, or similar materials) are virtually impervious to termites. Termites primarily feed on cellulose material, which is found in abundance in wood but not in block construction. This innate resistance to termites makes single-story block homes less of a risk from an insurance perspective. Insurers often view these homes as lower-risk properties since the likelihood of termite-related damage, and thus termite-related claims, is significantly reduced. Consequently, the

When it comes to insuring homes, realtors and homeowners alike may wonder how the structure and materials of a home can affect insurance premiums. Today, we're diving into an important distinction: the difference in insurance costs between a single-story block home and a two-story home with block on the first story and wood frame on the second story. Single Story Block Homes: A Fortress of Security Single-story homes built entirely with block (concrete masonry units) are often lauded for their strength and durability. Block construction is highly resistant to fire, termites, and extreme weather conditions, such as hurricanes or tornadoes. These characteristics make block homes less risky to insure. Insurers may offer lower premiums for these homes due to the reduced likelihood of structural damage and the subsequent claims that may arise from such damage. Additionally, single-story homes generally have a simpler design, which can further reduce the risk of issues like roof damage o