We had a home in Ft Lauderdale for 20 years...concrete block home, we had termites twice. Once they came in with furniture that we bought (warehouses don't always treat for this) and showed up perhaps 6 years after living in the wooden part of the furniture...second time they came in with new Kitchen cabinets and showed up 4 years after the remodel. Every year houses would be tented...termites are not a problem if you treat them. Sounds like you're from NJ....we're originally from New England....life is different down here. pick up the coverage
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