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Does My Home Have Insurance for Damage Caused by Termites?

Does My Home Have Insurance for Damage Caused by Termites?

It is very important to protect the amount of money needed to buy a home. If something bad happens, like a fire or flood, your home insurance will help you get back on your feet. Do homeowner’s insurance, on the other hand, cover damage from termites?

In this post, we’ll talk more about whether renters insurance will cover damage from termites, why it would, and what else you can do to keep these annoying bugs out of your house.

Will the homeowner’s insurance pay for damage caused by termites?

Most homeowner’s insurance plans do not cover damage caused by termites. Most homeowner’s insurance policies cover things like fire, lightning, hail, and storms. Many common home insurance plans require people to buy extra policies to cover disasters like earthquakes and floods. This is because the risks vary based on where the home is and how it is built.

Damage caused by termites might be covered by a homeowner’s insurance policy. This is only true, though, if the home is damaged by a protected risk, like a fire.

Why does my typical homeowner’s coverage not cover damage caused by termites?

Most insurance contracts are made so that clients can get their money back if they lose money because of something unexpected or unplanned. No matter what the homeowner did, damage to the home caused by a “covered peril” or “act of God,” like lightning, was still protected. But most insurance companies think that damage from termites can be avoided.

It can take a termite colony up to five years to grow up and start making the swarmers that will come to your home and damage it. Homeowners must take steps to protect their homes from termites because insurance companies won’t pay for repairs once the issue has spread.

What are some ways to identify termites?

Keeping an eye out for pests is the best way to avoid expensive repairs. Even though most termites in the United States live underground and are hard to see, their damage is not.

When termites leave their underground colony, they may leave mud tubes around the base or chew holes in any exposed wood. Termites often gather inside and settle in places like window sills where they can get rid of their wings. If you see damage to the wood, like cracks or holes, termites are probably already living in your home.

Check the home’s borders often to stop termites from doing more damage.

How to Find Out if You Have Termites

As soon as you see termites or signs of termite damage, call a pest control company to set up an inspection. It’s important to find out about expensive home damage as soon as possible.

Professionals at Thousand Oaks Pest Control can look for signs of termites on your property and build a barrier to keep more termites out for a fraction of the cost of fixing damage caused by termites.