Insurance and Termite Damage

Termites Termination: Does Homeowners’ Insurance Typically Cover Termite Damage?

When it comes to termite damage, homeowners’ insurance typically does not cover the costs associated with repairs. Termites are considered a preventable pest, and as such, homeowners are expected to take the necessary precautions to protect their homes from infestations. While homeowners’ insurance may cover some of the costs associated with termite damage, it is important to understand the coverage and limitations associated with this type of policy.

Homeowners’ insurance policies generally do not cover the cost of termite treatments or repairs to structures that have been damaged by termites. This is because the damage caused by termites is considered to be preventable. In other words, if the homeowner had taken the necessary steps to prevent an infestation, the damage would not have occurred in the first place.

However, in some cases, homeowners’ insurance may cover the cost of repairing structures that have been damaged by termites. This coverage is usually limited to damage caused by active infestations that were not the fault of the homeowner. For example, if a neighbor’s property had an active infestation of termites that spread to the insured home, the policy may cover the cost of repairs.

In addition, some homeowners’ insurance policies may provide coverage for the cost of termite treatments. This coverage is usually limited to treatments that are recommended by a licensed pest control professional. The policy may also require the homeowner to pay a deductible before the insurance company will cover the cost of the treatment.

When it comes to termite damage, homeowners’ insurance typically does not provide coverage for the cost of repairs or treatments. However, in some cases, the policy may provide limited coverage for the cost of repairs or treatments. It is important to understand the coverage and limitations associated with your policy so you can make an informed decision about protecting your home from termites.