Homeowners Insurance Cover Termite Damage – By: Natalie Todoroff By: Natalie Todoroff Arrow Right Writer, Insurance Natalie Todoroff is an insurance writer for , and previously wrote for the popular insurance comparison shopping app. After graduating with her bachelor’s degree, she studied English and initially pursued her book publishing career. Currently, she is focused on switching gears from being a professional reader to being a professional writer. Natalie Todorov
Edited by: Maggie Kempken Edited by: Maggie Kempken Arrow Right Senior Insurance Editor Maggie Kempken is the insurance editor at . She helps readers manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help readers navigate complex information about home, auto, and life insurance. She also focuses on making sure that the insurance coverage represents and is compliant with the brand. maggie kempken
Homeowners Insurance Cover Termite Damage
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Is A Termite Infestation Covered By Your Home’s Insurance Policy?
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Does Homeowners Insurance Cover Termites?
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Termite Damage: How To Protect Your Home
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Identifying Signs Of Termite Damage
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Even if termites are small, they can cause significant damage. Each year, Americans spend an estimated $5 billion on termite control and damage. So, does home insurance cover termite damage? Unfortunately, this is not the case in most cases, but there may be some notable exceptions. Our team of insurance editors, all licensed insurance agents, will explain the ins and outs of termites and insurance, and offer tips on how to keep termites at bay.
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It is very rare for home insurance to cover termite damage. Generally, there are only two situations in which homeowners insurance may help cover costs:
Termite Damage Claim
According to the Insurance Information Institute (Triple-I), termite damage is typically not covered by homeowners insurance. Insect, pest, and rodent problems are typically considered preventable by home insurance companies, and homeowners are generally expected to take proactive steps to avoid infestations. Some policies explicitly state that insect damage is not covered, while others do not mention insects at all. If pest damage is not listed on your insurance policy, it is highly unlikely that any termite-related claims will be covered. It’s a good idea to read your home insurance policy to see if it covers termite or insect damage.
Your home insurance company will most likely not cover termite damage caused by neglect. Intrusions are usually not covered by insurance if the homeowner does not address potential entry points. Additionally, home insurance typically does not cover termite damage, which occurs slowly over time.
Personal property damaged by termites is not covered by homeowners insurance. If your insurance ultimately covers termite damage, it may only cover damage to the physical structure of your home and accessory structures, depending on the terms of your policy.
Unfortunately, most companies do not sell termite insurance. If your home has termite damage that isn’t covered by your homeowner’s insurance, an exterminator will need to assess the situation, provide a cost estimate, and recommend the best way to fix the problem.
What Isn’t Covered By My Homeowners Insurance?
Before choosing a pest control company, it’s a good idea to have several experts visit and provide estimates. Look for a company that offers fair prices and good reviews from customers, as you will likely pay for the service out of pocket. Ask how long the extermination process will take and when you can expect the company to inspect the damage to your interior.
Once the termites themselves have been removed, the next step is to have a contractor assess the damage to your home. You may want to consider getting some opinions on what repairs are needed and how much they will cost. A licensed contractor should be able to address termite infestations and recommend repairs.
Homeowners insurance typically does not cover termite damage, but you may be able to take steps to repair termite damage that has occurred in your home. If you find damaged wood, there are usually several options for repairing it. You can replace the entire piece of wood as long as it is non-structural and causes minimal stress. There may also be cheaper options, such as a steel frame that can be drilled in place and bolted to undamaged wood. This provides more structural support than the damaged wood alone can provide and is generally less costly than replacing the entire wood.
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