Does home owners insurance cover termite damage?

Termites are a problem that you can face at any time, but that does not mean that you are necessarily covered for the damages in your homeowner’s insurance policy. While every plan vary, termite damage is not usually covered by your policy.

Maintaining the Property

A key reason that termite damage is not covered by your insurance policy is the fact that it is possible to catch the problem early and take measures to prevent termites from getting into your home in the first place.

Proper maintenance of your property and regular checks to ensure that you do not have termites can prevent the damage from getting out of control. If you do discover termites, then taking measures to eliminate them before the damage gets extensive is an expected part of homeownership. Many insurers will not cover the damages because you can take measures to limit or even prevent the problem.

Major Damages

While it is not usually covered, some residual or collateral damage may be covered. For example, if you have wooden support beams and they are damaged by the insects, then your insurance may pay for the damages that are directly related to the support beam and any falling structures. It will not pay for the damages that are not related to the roof falling, so the amount of coverage may be very limited.

It may not be enough to cover most problems that arise, and the only protection is usually directly related to major problems and collateral damages.

Protecting your property can seem hard, especially when you discover termites. Fortunately, it is possible to limit or avoid some damages that may arise. Contact us to speak to an agent to learn more about your options and the solutions that may be available when you discover termites.