- Does Homeowners Insurance Cover Termite Damage
- What Homeowners Insurance Does Not Cover
- The Dangers That Come With Termites In The Home
- Signs Of Termites…do You Know What They Are?
- Does My Home Insurance Cover Termite Damage?
- Selling Termite Damaged Homes In St. Louis
- Is Termite Damage Typically Covered Under Homeowner’s Insurance?
- Can Termite Damage Be Fixed?
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Termite damage can cost homeowners thousands of dollars – and home insurance usually doesn’t cover it. Here’s why termite damage isn’t covered by home insurance and how you can protect your home from this wood-eating insect.
Does Homeowners Insurance Cover Termite Damage
Home insurance generally does not cover termite damage. That’s because insurers view termite damage as avoidable and not a sudden, accidental event like fire or storm. It is the homeowner’s responsibility to keep up with maintenance and address termite infestations immediately.
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Termite damage occurs over time as termites eat away at the wood in your home. The damage caused by termites can cost homeowners an average of $3,000 to repair. It is important to address termite infestations quickly before they cause significant damage. Most insurers do not cover damage caused by lack of maintenance.
Most homeowners policies specifically state that termites and other pests are not covered. That said, there are rare cases where homeowners insurance may cover termite damage. Let’s look at two scenarios:
Suppose termites chew through your electrical wiring and start a house fire. Home insurance almost always covers accidental fires, so you may have coverage even if termites were the cause.
Suppose your roof collapses abruptly due to termite damage. If you can prove that the damage was hidden and not visible from the outside, your insurance company may cover it. However, if there were signs of termite damage before the collapse and you did nothing about it, the damage would not be covered.
What Homeowners Insurance Does Not Cover
Home insurance policies are incredibly detailed about what they include and exclude. If you don’t see anything about termite damage in your specific policy, assume it is not covered.
Termites can significantly damage the foundation, ceilings and walls of your home. Termites like to eat cellulose, a type of plant fiber found in wood. While feeding on cellulose, they create tunnels through wooden structures.
There are three main types of termites that can cause major damage to your home. Here’s how to distinguish the different types.
Because home insurance does not cover termite damage, taking preventative measures is crucial to lowering your out-of-pocket costs. These tips can help you prevent termite damage.
Damage From Termites Is Not Covered Under Your Home Insurance
Schedule an annual inspection with a reputable pest control company to detect any termite activity before it becomes a major problem.
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The Dangers That Come With Termites In The Home
Sign up and we’ll send you Nerdy articles on the money topics that matter most to you, along with other ways to help you get more from your money. Buying a home is a significant investment – and it’s one that needs to be protected. Homeowners insurance companies help cover repair costs after fires, floods and other natural disasters. But does homeowners insurance cover termites?
Below, we’ll explore whether homeowners insurance covers termite damage, why, and other ways to protect your home from these destructive pests.
Generally, homeowners insurance does not cover termite damage. Homeowners insurance is designed to help pay for repairs after sudden natural disasters such as fire, hurricane, hail or lightning. Because home risks can vary based on location or construction, many insurance policies require homeowners to purchase additional policies for flood and earthquake compensation.
Homeowners insurance can pay for repairs after a termite infestation attacks a home. However, this only happens if the affected home has also suffered damage due to something covered by the insurance, such as fire.
Signs Of Termites…do You Know What They Are?
Home insurance companies typically provide financial protection against these sudden, unexpected disasters because they were accidental or unpreventable. The homeowner’s choices had no impact on damage to the home from a “covered peril” or an “act of God” such as lightning. However, termite damage is considered avoidable by most insurance companies.
It can take three to five years for a termite colony to mature before it begins producing swarms that will colonize and damage your home. Because termites can be detected and removed before the home is significantly damaged, insurance companies consider prevention the homeowner’s responsibility.
To prevent subterranean termites from entering and damaging your home, clear the perimeter of your home of wood, brush and moisture.
Pest control professionals can create a defensive barrier around your home with termite liquid treatment. This liquid insecticide is applied to the ground under concrete floors and along the entire perimeter of your home’s foundation. The product is safe for children and pets, both indoors and outdoors, and costs significantly less than termite damage repair.
Does My Home Insurance Cover Termite Damage?
Watching for signs of pests in and around the home is the best way to prevent expensive property damage. Although the most common termites in the United States typically live underground, signs of termites invading your home are easy to spot.
When termites leave their underground nest and start exploring your home, you may see mud tubes around your foundation or exposed wood. From time to time, swarms of termites appear and may land and drop their wings on windowsills and around the house. Weakened, crumbling, and hollow-sounding wood all indicate termites in the home.
Inspect the perimeter of your home regularly so you can spot the signs before termites have caused too much damage.
If you see termites or signs of termite damage in your home, call an exterminator to schedule a termite inspection as soon as possible. Early detection is crucial to prevent expensive damage to your home.
Know The Signs Of Termite Damage And How To Repair It
The certified professionals at Dodson Pest Control can assess your home for termite damage and establish a line of defense against future termite invasions for a fraction of the cost of repairing termite damage. Homeowners insurance is a lifesaver when it comes to expensive repairs due to unexpected damage. The most important thing to remember, however, is that your policy may not cover everything. One of those catastrophes could be a termite infestation.
If you’re suddenly faced with termites, you may be asking yourself a whole host of questions, such as, “Does homeowners insurance cover termite damage?” Before you do, you might be wondering what the heck termites are and why these pesky things are in your home! Let’s see what termites do and whether insurance can help you.
According to Orkin, termites damage approximately 600,000 homes per year in the U.S., and homeowners spend approximately $5 billion annually on termite damage. Yes!
Termites have been wreaking havoc for more than 120 million years. Yes, they even met the dinosaurs. They are commonly known as the ‘silent destroyers’ as they can chew through the wood around your home for quite some time unnoticed. They are usually not found until it is too late. Knowing the signs of termites is important to detect them early and stop them.
Selling Termite Damaged Homes In St. Louis
Termites can be difficult to detect if you don’t know what you are looking for. Here are some of the most common symptoms of termites.
Termites love wood. When you look closely at wood in and around your home, look for carved patterns. If you suspect that the new work of art in your forest comes from termites, it’s time to call the exterminator.
One of the telltale signs of termites are tunnels around your home. Look around the foundation and exposed wood. The tunnels look like mud and resemble vines.
If you are having trouble opening doors or windows, it may be due to termites. As we already know, termites are like wood. So if you have wooden doors and windows, they will take up residence there. This can cause other structural damage problems if left for too long.
Is Termite Damage Typically Covered Under Homeowner’s Insurance?
Okay, you’ve found the problem and it’s termites. It is important not to panic yet. Now that you know what’s going on, you can fix it! The question is, will your homeowner’s insurance cover termite damage?
The short answer to this question is no. Homeowners insurance generally does not cover termite damage. According to the National Association of Insurance Commissioners (NAIC), many homeowners insurance policies do not cover termite damage or its removal.
There’s a reason for that. Typically, pests such as termites are preventable with proper maintenance by the homeowner. Insurance companies see this as the homeowner’s responsibility and therefore see no reason to cover damage that they believe could have been prevented.
If you buy a house, you must have it inspected. Make sure they look for termites and termite-related damage. You may be able to lower the price if they discover damage and have it repaired by the previous homeowners at no charge.
Can Termite Damage Be Fixed?
Now, there’s a way that’s so
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