I called Buzz Woodham Pest company after reading this thread to find out if I'm covered, and they said they'd look at my contract, call me back, and let me know. They called back within a few hours as promised and told me I was indeed covered for formosan termites. There may be different kinds of contracts, but they said mine covered them. Let's hope I never need to use the contract for these nasty termites (I had termites in a house in Michigan (we have plenty of them in our old neighborhood) and they sure ate through a lot of wood before we realized we had them. We had some work done on the house by a contractor, and she noticed them. They were actually dropping onto the basement floor from the ceiling beams :shock:, but we couldn't hear them crunching.