Does Homeowners Policy Cover Termite Damage

While the termites were unexpected they wont qualify under the sudden and expected damage clause. Unless the damage is associated with a covered peril youll likely pay out-of-pocket.

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The impact of a termite infestation can rack up hefty home repair costs.

Does homeowners policy cover termite damage. According to the National Association of Insurance Commissioners most homeowners insurance policies will not cover damage from termites or other insects. According to the National Pest Management Association termites cause 5 billion in property damage each year. Termites eat wood including the support beams in your house or the walls.

The only exception is when you get termites from a covered peril such as a water leak in your home. Insurance companies will refuse to pay for damages caused by termites. Unfortunately homeowners insurance typically doesnt cover termite damage because homeowners insurance is designed to cover unexpected damages and perils.

As weve mentioned before home insurance policies dont cover damage from wear and tear because part of the contract of the insurance policy is that the homeowner maintains the. For example if the termites chew through your wiring and cause a fire your insurance will still cover the fire damage. Insurance companies consider termite infestations to be preventable so the cost of termite damage and removal will come out of.

Termite infestations may be prevented with routine home maintenance and is the responsibility of the homeowner. While homeowners insurance is meant to protect your familys belongings assets and the dwelling itself against common hazards and perils termite damage is not a covered loss. Although each year termites cause more than 4 Billion in damage there is a great reluctance by homeowners to subscribe to a pest control service or at least an.

Can termites actually damage my home. Termite damage is rarely covered by homeowners insurance. This protects your home from any damage resulting from termites.

There are a few unique special circumstances when your renters insurance policy might cover termite damage. The reason for this is that homeowners can usually prevent severe termite damage by taking care of routine home maintenance in Maryland. Homeowner insurance policies are generally for situations that you cannot control.

Theyll be able to tell what is excluded in your policy. Look for signs of damage when buying a house and regularly after moving in. When termite damage is not covered by homeowners insurance.

Unfortunately termites wood-eating insects that cause up 5 billion in property damage each year are not covered by homeowners insurance except in very rare circumstances. Unfortunately though homeowners insurance doesnt typically cover termite damage. Since termite damage is a long drawn-out process that can take three to five years to cause irreversible damage it doesnt fall into the unexpected category home insurance companies have.

Unfortunately most kinds of termite damage are not covered by regular homeowners insurance. Termite damage is typically not covered by homeowners insurance according to the Insurance Information. According to the National Association of Insurance Commissioners NAIC many homeowners insurance policies dont cover termite damage or removal.

For this reason termite damage is generally not covered. The same way auto insurance protects an. Homeowners insurance policies are meant to cover damage to the home from covered perils which are sudden and accidental in nature.

Because termite damage is usually seen as a maintenance issue. For example if your home is damaged by a hurricane or other big storm you might get a lot of water and rot that attracts termites or that allows them inside. Homeowners insurance policies generally do not cover termite removal or damage.

No homeowners insurance does not cover termite damage. If you live in an area where termites are prevalent most companies recommend additional termite insurance. Does homeowners insurance cover termite damage.

Basically if another peril like a water leak from a busted pipe causes you to then get termites your renters insurance hypothetically could cite the water damage as proximate cause for the termites. In rare cases a homeowners insurance policy will cover termite damage but only when you selected that type of coverage as an add-on rider to your policy and those riders arent available in many areas. Still home insurance is a need-to-have policy as a homeowner.

Termite damage and removal typically arent covered by your home condo or renters insurance policy. In the vast majority of cases homeowners insurance policies will not cover damage caused by termites or any other pest because theyre considered preventable. When Does Homeowners Insurance Cover Termites.

There are a few cases in which damage as a result of termites might be covered by your homeowners policy depending on the specifics of the policy. Annual inspections can reduce the threat of long-term damage. Even though you may have what you consider to be a quality homeowners insurance policy homeowners insurance does not cover all forms of damage to your home including termite damage.

So in most cases this means you will be footing the bill for repairs due to termite damage in your home. There are a few situations in which a policy might cover termite damage but dont count on it. But there are two cases when your homeowners insurance will cover termite damage.

The cost to remove termites and repair their damage is generally not covered by your homeowners insurance.

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