Does Home Insurance Cover Termite Damage?

Termites cause $5 billion worth of damage annually to U.S. homes, which is more than the amount caused by fires, tornadoes, and earthquakes combined. What many homeowners don’t know is that damage from termites and other pests is not typically covered under their home insurance policy because insurance companies consider termites preventable.

However, there are some situations where a home insurance policy may cover residual termite infestation damage. For example, if a support beam is damaged by termites and a structure connected to that beam, like a wall or roof, falls, your home insurance may cover the cost of repairing that structure. But it’s important to know that the home insurance policy will not typically cover the cost of repairing the damaged beam.

How to Protect Your Home From Termite Damage

To help keep your home free of termites, have it inspected annually or more often if you live in a neighborhood know to have a termite problem. If you’re buying a home, make sure it was inspected for termites. For additional protection, buy a termite bond through a pest control company. A termite bond typically states that the pest control company will inspect and treat your home at fixed intervals, and if termite damage occurs during the time the bond covers, the company will help pay for repairs.

If your home insurance policy doesn’t cover pest damage, or you are frustrated with the way your provider handled your claim about pests in your home, give an expert a call. Licensed agents can help you shop around and find a home insurance policy that gives you all of the coverage you need without overpaying.