Will Homeowners Insurance Cover Termite Damage? Here's What You Can Expect

Will Homeowners Insurance Cover Termite Damage Here's What You Can Expect

Termites can be very destructive. The damage they cause can be extensive if they are not stopped in time. Most basic homeowners insurance policies do not cover termite damage for several reasons. One of the most important factors that insurance providers consider is whether the damage was preventable. However, there may be times when you are not aware of damages that already exist in your new home. Even the most reputable inspectors may miss small signs of an infestation. This will not go against you if the damage is discovered after you purchase your home.

Can Termites Damage My Home?

If left untreated, your home can become a feast for termites and other wood-boring insects. They can bore into areas where you may not see or detect any damage until it is too late to do anything about it. This is why prevention is so important. Even having just a few termites can lead to significant damage. A few insects will eventually lead to a much larger infestation if your home is not treated to prevent their growth. If you have questions about the type of damage that termites can cause, talk to your insurer or pest control professional.

How to Detect Termites

The easiest way to find termites in your home is to hire a professional pest control company to perform an inspection. They have the tools and knowledge required to find termites and other pests that can wreak havoc in your home. Unless you know what you are looking for, you might miss the signs, leaving your home exposed to various types of damage. A pest control expert can teach you what to look for and will give you an estimate on what it will take to protect your home from an infestation.

Signs of Termite Infestation

You can discover termites in your home by learning about the signs they leave behind. Small holes in wood or small mounds of wood “powder” are good indicators that you may have termites living in your home. Flooring that is wavy or irregular may be a sign that termites have made a home in your floorboards. There may also be signs of the termites themselves lurking in corners or hard-to-clean areas. Small wings or parts of the body may often be spotted in dark areas where it’s hard for you to clean regularly.

Will Home Insurance Cover Termite Damage?

Insurance companies do not offer insurance policies that cover termite damage. Pest control companies offer yearly plans to help you keep unwanted visitors to a minimum. If you have just purchased a home and you don’t know the extent to which termite damage may exist, contact your pest control professionals and have them treat your home before you ever move in. Your insurer will be able to help you find the perfect homeowners policy to keep your home fully protected at all times.

If you are worried about termite damage and are concerned that there may be damage you are unaware of, your local pest control professionals will be able to inspect your home. By protecting your home from the beginning, you can minimize any potential damage and keep your home in good condition for as long as possible.  Also, make sure you have the right insurance to protect your home. Contact the experts at Udell Family Insurance for all your insurance needs.

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