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Most companies, who garantee you from termite damage, will only reimburse you for the amount of the contract and your stuck with the damage!
I had a contract, that I didnt keep up...(90 bucks a year), and wouldnt ya just know it, I got termites that next year after they termited it..sheesh! I never got another termite business to come in...I simply got some diazanon and put that around my house and kille the silly termites before they came in again...(I kept killing the flying ones in the basement...really a royal pain!).
May the LORD Bless each of you.
I wish you well...
Jesse
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