Do I need an exterminator and a contractor?expand_more
Usually both, and in that order. The pest control company handles the treatment and can identify the species; the contractor repairs the structure and fixes the water problem that invited them. Some larger firms do both, but be sure the repair side is a licensed contractor rather than a handyman with a caulk gun.
How do I tell rot from ant damage?expand_more
Rot is soft, spongy, and often darkened, and crumbles into cubes when dry. Carpenter ant galleries are clean, smooth-walled tunnels, often with sawdust-like frass nearby. It's common to find both in the same spot because the ants targeted the damp wood.
Will insurance pay for it?expand_more
Usually not. Most homeowner policies exclude pest damage and gradual rot as maintenance issues, though damage from a sudden covered event such as a burst pipe may be different. Read the policy and ask before assuming a claim will cover the repair.
How do I keep it from coming back?expand_more
Break the moisture path: keep soil and bark mulch well below siding, keep gutters and downspouts discharging away from the foundation, maintain the crawlspace ground barrier and vents, and repair paint and flashing before bare wood is exposed through a wet winter.
Can this be repaired without tearing off the siding?expand_more
Sometimes the affected area is contained and can be opened locally. Often the damage runs farther behind the cladding than the visible symptom suggests, which is why a contractor will probe several spots before quoting rather than giving a number from the driveway.