Protecting the sum of money used to purchase a home is a top priority. Homeowners insurance is there to assist you rebuild after a disaster like a fire or flood. But, does homeowner’s insurance cover termite damage?
In this article, we’ll delve deeper into the question of whether or not renters insurance will cover damage caused by termites, the reasons why it would, and the additional measures you may take to safeguard your house from these pests.
Is damage from termites covered by homeowner’s insurance?
Termite damage is typically not covered by standard homeowner’s policies. Fire, lightning, hail, and hurricanes are just some of the perils often covered by a standard homeowner’s insurance policy. Since the risks might vary depending on the location and construction of the home, many standard homeowners insurance plans require customers to purchase separate policies to cover calamities like earthquakes and floods.
The price of repairing termite damage may be covered by a homeowner’s insurance policy. This is the case, however, only in the event of home damage caused by a covered peril, like as a fire.
Why doesn’t my standard homeowner’s policy pay for termite damage?
Most insurance policies are designed to compensate policyholders for financial losses incurred as a result of calamities that are either unforeseen or unintentional. Damage to the home from a “covered peril” or “act of God,” like lightning, was nonetheless covered regardless of the homeowner’s activities. However, most insurance companies believe that termite damage may be prevented.
It can take a termite colony up to five years to mature and begin producing the swarmers that will invade and harm your property. It is the responsibility of the homeowner to prevent termites, as insurance companies will not pay for repairs made after the infestation has spread.
Termite Detection Methods
Keeping a sharp watch out for bugs is the simplest approach to prevent costly repairs. Although most American termites are hidden from view underground, their destruction is not hidden.
Termites may leave mud tubes around the foundation or nibble holes in any exposed wood when they emerge from their underground nest. Termites often swarm inside the home and land on surfaces like window sills, where they can shed their wings. Termites are probably already in your home if you find any signs of damage to the wood, such as cracks or voids.
To prevent further termite damage, examine the home’s perimeter frequently.
Steps to Take Upon Suspicion of Termites
If you find termites or evidence of termite damage, you should contact a pest control firm right once to schedule an examination. Timely detection is crucial for avoiding costly house damage.
For a fraction of the expense of repairing termite damage, professionals from Poway Pest Control can inspect your property for signs of termites and install a barrier to keep more termites out.