Does Insurance Cover Termite Damage – Termite damage or extermination is usually not covered by your home, condo, or renter’s insurance policy. Insurance companies consider termite infestations preventable, so the cost of termite damage and extermination will be out of pocket.
Insurers often treat termites as avoidable, perhaps the result of homeowner negligence. Your home insurance is designed to cover you for the unexpected and the accidental, and termite damage is neither. Be sure to take precautions before the infection starts. Remember, by the time you suspect you have termites, it’s too late.
Does Insurance Cover Termite Damage
Termites are so tiny that they may go undetected for years, but you can take the following steps to prevent them from feasting on the structure of your home.
Termite Damage Repair
A termite infestation can cost thousands of dollars just to clean up the damage. And that’s before paying to fix other problems termites can cause, such as health problems and difficulty selling your home. If you suspect or see evidence of termites, your best bet is to contact an exterminator directly.
Since regular maintenance is the homeowner’s responsibility and termites are not dangerous, your homeowner’s insurance will not cover termite treatments.
Carpenter ant damage follows the same rules as termite damage. Insurance companies consider this to be general home maintenance. Even if you didn’t know you had an infestation, insurance companies won’t cover damage to walls, floors, or ceilings damaged by ants. Termites cause serious damage to many Maryland homes, especially if the original owners failed to properly treat the structure and exterminate the insects. In most cases, homeowners can prevent serious damage by following maintenance and preventative treatments. However, when realtors, inspectors, and sellers are responsible for disclosing infestations when buying a home, it can be difficult to fully determine the presence of termites. Termite damage is a common exception because homeowner’s insurance policies are not intended to cover damage caused by failure to perform routine maintenance. In some cases, you can purchase a rider for termite protection. A termite bond is a supplemental contract with a pest control company. It’s a good idea to buy one, but the bond company may try not to pay if the damage is discovered, especially if it’s serious or extensive. In these situations, Whitney, LLP can help.
In many cases, homeowners are responsible for thousands of dollars in damage caused by their negligent salespeople, realtors, termite damage contractors, or pest control companies. If you do not have termite damage covered by your homeowner’s insurance, you may want to hold these parties financially responsible for the damage caused by their negligence. At Whitney, LLP, our experienced attorneys have obtained significant verdicts and settlements for Maryland homeowners damaged by termites. In one case, our client was awarded $1,068,000 in damages for a negligent inspection company’s failure to detect and disclose termite infestations. You can start by requesting legal advice.
Tips On Identifying Signs Of Termites & Treatment Options
Our termite lawyers have obtained significant settlements and verdicts after suing real estate agents, fraudulent salespeople, home wingmen and pest control companies for malicious termite infestations. WBAL’s Barry Simms reports on a couple facing high termite damage costs after being tipped off by a realtor about our clients. When you’re confused and stuck with termite damage repair costs, we can help you fight against responsible parties.
A termite bond can be purchased separately from your homeowner’s insurance policy, which is usually a contract with a pest control company. Termite bonds may increase the likelihood that termite companies will meet their obligations, even if termite companies have been found guilty of negligent treatment of some Maryland pests. You’re not only buying a service contract, you’re also insuring yourself against damage caused by an infection. Contracts often include regular inspections and preventative maintenance to ensure your home is never infected and to prevent serious structural damage that may occur later. If you file for damages, the termite bond must cover the cost of hiring a termite damage contractor to perform the necessary repairs.
Even if you have a termite bond or insurance policy, it’s important to always be on the lookout for potential signs of termites. Swollen ceilings, floors, termite mounds, basements near the foundation, and foul odors are all signs of termite infestation in your home.
You shouldn’t have to pay thousands of dollars because of the negligence of a negligent pest company, real estate agent, or home seller. If you have suffered significant termite damage, contact the Maryland termite attorneys at Whitney, LLP. We can find out who is responsible for your damages and work aggressively to get you the compensation you deserve. Use our online contact form or call Whitney, LLP at (410) 583-8000 for legal advice. Buying a home is a very important investment and should be protected. Homeowners insurance providers can help cover repair costs after fires, floods and other natural disasters. But does homeowners insurance cover termites?
Types Of Termites And How To Prevent Them
Below, we’ll explore whether and why homeowner’s insurance covers termite damage, and other ways to protect your home from these pests.
Generally, homeowner’s insurance does not cover termite damage. Homeowner’s insurance is designed to help pay for repairs after unexpected natural disasters such as fires, hurricanes, hail, and lightning. Because home risks vary by location and structure, many insurance policies require homeowners to purchase additional policies to provide coverage after a flood or earthquake.
Your homeowner’s insurance policy may pay for repairs after a termite infestation. However, this only happens if the affected home is damaged by something covered by the insurance policy, such as a fire.
Home insurance companies offer financial protection against these sudden and unexpected disasters, which are often accidental or unpreventable. The homeowner’s choices did not affect home damage caused by “hidden dangers” or “acts of God” like lightning. However, most insurance providers consider termite damage to be preventable.
The Dangers That Come With Termites In The Home
It takes three to five years for a termite colony to mature before it begins to colonize and destroy your home. Because termites can be detected and removed before they cause significant damage to the home, insurance companies believe it is the homeowner’s responsibility to be proactive.
Keep the perimeter of your home free of wood, brush, and moisture to prevent subterranean termites from entering and damaging your home.
Pest control professionals can create a protective barrier around your home by treating the termite liquid. Apply this liquid insecticide to the soil under concrete floors and around the entire perimeter of your home’s foundation. This product is safe for children and pets, safe for indoor and outdoor use, and costs much less than termite damage repair.
Keeping an eye out for signs of pests in and around your home is the best way to prevent damage to valuable property. While the most common termites in the United States usually live underground, it’s easy to spot signs of termites infiltrating your home.
Is Termite Damage Typically Covered Under Homeowner’s Insurance?
When termites leave their underground nests and start exploring your home, you may see mud pipes built around your foundation or exposed wood. Swarms of termites will appear from time to time and can spread their wings around window sills and around the house. Weak, crumbling, and hollowed-out wood is a sign of termites in the home.
Check the perimeter of your home regularly so you can spot signs of termites before they do too much damage.
If you notice termites or signs of termite damage in your home, plan to call an exterminator to inspect as soon as possible. Early detection is critical to preventing costly damage to your home.
The qualified professionals at Dodson Pest Control can assess your home for potential damage and create a line of defense against future termite attacks for a fraction of the cost of repairing termite damage. Many people assume that a basic homeowner’s insurance policy will pay for any type of damage. What happens to their home and its contents, but what does homeowner’s insurance cover? Before you assume you have the coverage you need, learn the ins and outs of your specific policy to ensure you get the right coverage for your property at the right time.
Types Of Termites: Areas They Are Found
Read on to find out what a standard homeowner’s insurance policy doesn’t cover and how you can add coverage to your policy.
In addition to being an eyesore and a health risk, many homeowner’s insurance policies limit or completely exclude mold damage. If you’re concerned about the risk of mold in your home, talk to your Farm Bureau representative about adding mold (including mold) coverage to your policy.
Sewage backups can occur for a variety of reasons. From connecting new homes to old lines to pipes that handle stormwater and raw sewage
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