Does Homeowner Insurance Cover Termite Damage?

Homeowners insurance is meant to protect you from unintentional and unexpected risks and harm. Termites aren’t overnight phenomena, as any pest control business will tell you. While you may not be aware that they are living with you, they will remain as long as you feed them with food and water. Your homes insurance usually does not cover the expense of removing termites and repairing their damage.

Is it possible for termites to do damage to my home?

home insurance cover termite damage

Termites cost $5 billion in property damage each year, according to the National Pest Management Association. Termites devour wood, which includes your house’s structural beams and walls. Cabinets, floors, furniture, and ceilings are all favorites, and they can chew through plaster and metal.

Termites may reside in a property for years before being found and causing damage. Unfortunately, termites have already done a lot of damage by the time people realize they have them. Opening walls and floors to replace the destroyed home foundations, as well as replacing furniture and other impacted objects might be part of the repair process.

How can I know if I have termites in my house?

Termites are difficult to detect with the untrained eye. However, after you’ve figured out a few of the obvious indications, they’ll be easy to see.

• Termite tunnels: Keep an eye out for termite tunnels near your home’s foundation and any exposed wood. These tunnels are little tubes that resemble dirt and can be found on walls, floors, or even outside in a vine pattern.

• Look for damage to the wood: such as what seems to be a carved maze. However, different varieties of termites cause different forms of damage to wood, so be aware that not all wood degradation follows this pattern. If you tap on the wood with a screwdriver throughout the home, listen for a hollow sound to see if termites have burrowed within with no evident outside damage.

• Irregular flooring: Sagging or buckling floors can also indicate a termite infestation. What appears to be water damage might instead be bug devastation.

• The pests themselves: Termites have a pale yellow tint and straight antennae, similar to flying ants (ants have hooked antennae). Termites have two pairs of wings that are identical. Wings that have fallen off may be found in places where they have been.

If you’re unsure whether you have termites, contact a pest treatment professional for a complete check.

Is it possible to receive termite insurance?

Termite coverage isn’t often sold by insurance carriers, although some pest control firms do provide annual inspection and treatment plans. You should get a home evaluated for termites before purchasing it. If termite damage is discovered, you can renegotiate the home’s price or have the seller remedy the damage before closing. It’s simpler to fumigate a house before you move in with a tent.

It pays to be aware of the damage termites may cause and to examine your home on a regular basis to spot any damage early. Find out what your homeowner’s insurance covers now.


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