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I've been scammed

And I have no one to blame but myself. I failed to read a contract, or at least failed to properly understand it. I thought by paying a yearly fee to Orkin for termite inspections of our home, and needed re-treatments, after the initial treatment [tenting] in 1990, we would be covered for any future structural damage [caused by termites] that might occur. Isn't that what insurance is for? Well as it turns out, the so called Orkin guarantee, does nothing more than guarantee they will retreat (at no charge) if termites are found. It doesn't matter whether they were negligent in performing annual inspections, and missed termite infestations, or if their re-treatments had been inadequate, it isn't their fault if termites return, and structural damage occurs 20 years later. [note]Sort of sounds like the health insurance industry. You pay your premiums, but there's no guarantee the insurance company is going to cover your health care expenses.[/note] So now after paying Orkin...