Will My Home Insurance Cover Termite Damage?

Home Insurance Cover Termite Damage

Termites and other malicious insects can cause significant damage to your home in a short span of time. Repairing or replacing objects damaged by termites can cost you heavily. The good news is that in most cases, such damages are preventable. By proper care and maintenance of your house property, you can easily eliminate these pests, thus averting any damage they might have caused.

Will My Homeowners Insurance Cover Termite Damage?

Being preventable, there are only 2 scenarios under which termite damage may be covered by your standard home insurance policy.

Situation 1- Complete collapse of your home as a result of termite infestation.

The damage must be complete and well-hidden. If it is found that you knew about the infestation and yet did little or nothing to prevent the same, you will not be covered by your home insurance policy.

Situation 2- The damage was directly caused by a covered event.

If termites enter your home as a result of a covered peril, your home insurance policy will cover the infestation. For instance, if a hailstorm damages your roof and termites who thrive in moisture find their way into your roof, moving down to your attic, such an infestation will be covered by your homeowners insurance.

How to File a Claim?

Before filing a claim for termite damage, you need to know the extent of coverage and whether it covers your unique situation. A professional inspector will come to your home and evaluate the damage. Once they approve of the validity of your claim, you can call your insurance agent. A claims adjustor will be sent to your home, who will inspect the damage and evaluate your claim.

What If I Do Not Have Coverage for Termite Damage?

If the termite damage isn’t covered by your home insurance, you will have to resolve the situation yourself. The first thing you need to do is remove the termites. You can do this either on your own or hire a professional to come in and do it for you. Hiring a professional may be costly, but it will be more effective in the long run.

You will also be responsible for any damage that was caused as a result of your own negligence. It’s important to hire an inspector to determine the severity of the termite damage. Once you know what is to be fixed, make sure to collect estimates from two or more reputable contractors.

Tips to Prevent Termite Damage

Termites are attracted to moist, humid places and are usually more active during the warmer seasons. They can enter your home through any cracks, crevices, broken pipes, and gutters. So make it a point to seal all possible entry points for the termites. Next, eliminate any object that is fed upon by the termites. This includes plants, firewood, or other woody material. Schedule regular termite inspections to prevent future damages.

When you are looking to protect your house property, contact our insurance professionals at American Premier Insurance. Our dedicated experts are ready to assist you with all your home insurance needs in Phoenix, Tucson, and beyond.