Homeowners Insurance: Does It Cover Termite Damage

Jan 11, 2023

Homeowners Insurance

Homeowners Insurance: Does It Cover Termite Damage

Termites can be a real problem, especially if you discover they have started to damage your home. Termite damage can be prevented if you take action early. Many people uncover termite damage after it becomes more noticeable, which may be too late in some cases. The bad thing is that your homeowners' insurance will more than likely deny your claim. A good homeowners' policy is meant to cover damages caused by a sudden and unpreventable event. Termites are not sudden, and they most certainly are preventable.

Can Termites Cause Damage to My Home?

Termites can do extensive damage to your home. They can begin feasting on your furniture and parts of your home that you may not be too concerned. Over time, however, they can start tearing into your floor joists or roofing trusses. When these structural components begin to experience damage, your home may become unsafe. The problem with termites is that the damage they cause is only sometimes where you can see it. They may be snacking on your home for several years before you even know they are there. Termites can be prevented. Don't wait until you start to see signs that they are there. Have an exterminator pay regular visits to your home, and you can eliminate a host of creepy crawly things you would rather avoid. Standard treatment prevents infestations and allows you to keep your home termite, and bug-free.

How Can I Find Termites?

There are several ways you can find termites in your home. Sometimes, it's best to start your search in your basement or attic. They don't like people and will tend to avoid areas where you are active in your home. They are easier to spot if you know what you are looking for. Talk to an exterminator and they will show you a few examples.

  • Termite Tunnels:

    Termite tunnels often look like someone has drilled tiny holes into your wood beams. You may also see areas that look like worms have been etched into the wood.

  • Wood Damage:

    A sign that termites have made their way into your living area is if you see small piles of wood dust when you open drawers or move pieces of wood. You may also notice that some pieces of wood have worn spots where bare wood is showing.

  • Irregular Flooring:

    If your home has hardwood flooring, it is a prime hunting area for termites. Over time, the boards will begin to become uneven and they may start to squeak when you walk on them. Take a close look at your flooring to see if it's even. If it's not, have an exterminator come to your home, and investigate.

  • Visible Outside of the Tunnels:

    When termites begin to exhaust their favorite food supply, they may become more visible. If you see them during the day or out in the open, your home may already have serious damage.

Does Home Insurance Cover Termite Damage?

Insurance companies don’t provide pest control or termite removal. It is your responsibility as a homeowner to protect your home from pests and termites attack. Homeowners insurance covers risks and losses that occur abruptly, and inadvertently. Termite damage is preventable and you can easily eliminate it with proper maintenance, and care. Unfortunately, there is no such thing as a termite insurance policy. During such damages, try to consult a professional to assess the situation effectively.

Final Thoughts!

Finding a termite can be upsetting! Contact the agents at Corbett & Associates to find out how termite damage can affect your insurance policy. We can help you find the answers and ensure you keep your home safe from a termite invasion.

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