Termite Damage and Homeowners Insurance
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Homeowners Insurance And Termites
Homeowners insurance was conceived as a way to protect yourself and your home from risks and damage that are accidental and sudden. Unfortunately, termite infestations and their resultant damage are not something that happens overnight. You may find the damage suddenly and it can be an enormous risk to your financial health, but this isn’t what homeowners insurance is meant for and, according to the National Association of Insurance Commissioners, most homeowners insurance policies do not include or cover termite damage or removal.
What Termite Situations Might Be Covered By Homeowners Insurance?
While, again, most homeowners insurance policies do not cover the damage that a termite infestation might cause in your home, there are a few situations in which termite damage could lead to a situation that creates the kind of damage that homeowners insurance does cover. For example, if termites chew through wiring in your home’s walls which causes a fire, or if you have had a water leak in your home caused by faulty pipes which is the reason for your termite infestation to begin with, your homeowners insurance may cover the cost of the repairs, depending on what your insurance policy stipulates. Always check your homeowners insurance policy to know what may or may not be covered.
The best way to avoid termite damage is to prevent termite infestation through regular maintenance, something for which homeowners are solely responsible. As a result, there are some kinds of damage caused by termites that will not be covered by homeowners insurance. This includes things like a foundation that has become weakened by termite activity which might lead to structural issues or even mold and damp issues in your foundation or basement. Both of these damage situations are extremely costly to repair—and neither will be covered by homeowners insurance due to termite damage.
Find A Pest Specialist For Termite Control Near You
If you are concerned about termites and termite control for your home, please give us a call or fill out the form on this page. PestControlExperts.com is a team of experts who are highly qualified to provide the best recommendations for you and your home, no matter which part of the United States you live in.Call 855-891-5410