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Homeowners insurance and termite damage explained

Does Home Insurance Cover Termite Damage?

The presence of insurance makes sure that risks and damages are covered. Situations caused by accidents are taken into account by insurance companies. Termites are a sudden phenomenon that can damage the house. However, according to termite control companies, termites aren’t a sudden occurrence. We unknowingly provide space to termites and even give them food and water.

Home insurance companies normally do not cover termite damage. However, in some circumstances, insurance companies are willing to facilitate.

Can termites damage your house?

Don’t take termite control as an insignificant issue. Once out of control, the cost of repair can be incredibly high. Studies have proven that termites bring massive property damage each year with an estimated cost of $5 billion.

Since termites are fond of eating wood, they can damage the entire interior of your house. They feed on wooden floors and furniture and can eat almost anything. Without you knowing, termites might do massive damage. By the time you know termites have crawled into your house, it will be too late. The repair costs associated will be quite high as it will require you to replace all wooden items.

Repair costs can run high as termites can damage the whole interior of your home.

How can you spot termites?

Termites can be difficult to identify, but spotting them isn’t impossible. Termites will make tunnels in your house at different, so try to look for them. These tunnels are usually located near exposed wood. They will be small, tube-like, muddy tunnels.

If you notice patterns of a carved maze on the wood, be alarmed that termites have attacked. Some types of termites damage the wood in a different pattern, so this is not the only sign of a termite attack.

You can tap the wooden items in your house with a screwdriver and if you hear a hollow sound, this means termites have gotten inside of it. At times, termites are not visible on the exterior and are residing inside. Hence, it’s preferable that you tap on all wooden items, regardless of their appearance.

Sagging floors are another indicator of termite damage. It is easy to mistake termite destruction with water damage.

Termites are pests and are similar to flying ants. They are usually pale yellow and have identical wings. If you find fallen wings in your home, it’s an indication that termites have gotten inside.

Can you get termite insurance?

Normally, insurance doesn’t provide termite coverage, but pest control companies offer plans for treatment. These companies encourage you to inspect for termite before purchasing a house. If termite damage has been found, the home price can be renegotiated.

It’s better to have inspection checks done beforehand to avoid future damage. Termites can completely wreck the house, which is why it is important to take precautions.

When do insurance companies provide insurance for termite damage?

Normally, insurance policies do not cover termite damages or any other pest control issues. This is because they can be prevented.

However, there are exceptions as to when an insurance company would be willing to provide coverage for termite damage. In case your house has completely collapsed because of termite damage, the insurance company will compensate. Another scenario where the company will compensate is when a covered peril has caused the termites.

House collapse

If your house collapses due to damage brought about by unnoticed pests and insects, your insurance will provide coverage. However, this offer has its terms and conditions. You will only receive compensation if your house has completely collapsed. Cracking and expansion are not included here. You also need to explain that you had no idea about the termites and the damage they caused. If your insurance provider knows that you were aware of the presence of termites, you will not be compensated.

The cause is covered in your policy

Termites develop in moist places and if the moisture development is due to water leaks or pipe damages, insurance will compensate for it. The internal leaks are covered by homeowner’s insurance, which is why compensation is provided.

At times, establishing a strong link between the termite cause and damage is hard. You may have to call in an expert to provide assistance in identifying the cause.

Once the damage is identified, file for a claim instantly and avoid delays. The more delays there are, the less likely it is for your claim to be approved.

It’s important to inspect the house for termites as they can do some serious damage on your home.

When to file a claim?

Contact the insurance company after doing a thorough inspection of the entire area. When the claim is filed, the company will send an inspection team that will inquire whether the damage is sudden or due to negligence.

If the claim is accepted, the entire coverage will be provided by the insurance company. The standard coverage limit is $250,000 but can vary for different types of houses. In case personal possessions have also been damaged, there is a separate limit for that.

How can you protect your home from termites?

The best way to eradicate termites is to have inspections carried out. This can be done on a monthly or yearly basis. Other factors to consider while deciding on the frequency of inspections include the location of your house and the condition you have kept it in.

It is better if you identify pests in the early stages to prevent damage from happening. A termite control plan is crucial to ensure your house is free from pests. A lot of agencies are providing quality pest control services that can keep your house protected.

Besides these measures, other preventive measures include being careful. Avoid storing firewood near your home as this attracts termites. If you still want to place firewood, it is best that you consult a termite expert. Keep wooden structures in a sealed environment and have a storage shed where wooden items can be kept. Remove any dead trees near your house to prevent the termites from feeding.

These preventive measures can save you from the repair expenses. Prevention is better than clean up, especially if you want to go easy on your pockets. Termite control is also crucial for the stability of the house.

To learn 25 Tips for Finding Cheap Homeowners Insurance, read our in-depth article here.