does most homeowners insurance cover termite damage
Most of the common termite damages may not be covered or reimbursed by your insurance company. Homeowners spend about 5 billion on termite controls and repairs.
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Click here to learn about what homeowners insurance does cover.
. If your house gets damaged by termites your homeowners insurance policy may help you in some cases but not others. Termite damage is not covered by homeowners insurance. This is why it is crucial to have a professional inspect your home for signs of termites and.
Does most homeowners insurance cover termite damage. 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 quality of the house itself. Home insurance covers problems that are considered sudden and accidental Termite damage is gradual and can be prevented with maintenance.
Because termite damage is usually seen as a maintenance issue. Broadly speaking homeowners insurance provides two forms of coverage. Though the insurance provider will not pay to have an exterminator sent out to thwart the termites there might be an option of adding a policy that encompasses termite damage.
A termite infestation is disastrous but it is something that develops over time. The shortest and most common answer here is no home insurance usually doesnt cover termite damage. However some policies may offer compensation if a named peril causes a termite colony to form on your property or your house collapses due to termites.
While you may not initially know theyre sharing your home they will stick around as long as you continue to provide them with food and water. Most homeowners insurance policies wont cover damage caused by an earthquake. Home insurance is intended to protect your home from sudden and accidental loss for example a fire.
Property protection and liability protection. The only exception is when you get termites from a covered peril such as a water leak in your home. This type of damage can be considered a maintenance issue and maintaining a home and property is the responsibility of the homeowner.
Its not meant to cover maintenance issuesand unfortunately termite damage fits the bill of not covered. Termite damage is not covered by home insurance mainly because termites are classed as insects. Unfortunately thats almost never the case.
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. Unfortunately home insurance policies do not recover the damage caused by insects. What Does Homeowners Insurance Cover.
Unfortunately most kinds of termite damage are not covered by regular homeowners insurance. Homeowners insurance companies dont often cover termite damage because for the most part they consider termite damage preventable. Property owners have to take preventative measures against termites in order to avoid major damage to the property.
In other words while you might want to make a claim for the termite damage your. While insurance may cover termite damage in some specific circumstances which we will discuss below it almost never does. However the answer to the question posed above ultimately depends on the nuances of your particular home insurance coverage.
As much as you might like to have termite damage covered by homeowners insurance the good news is termites can be prevented. Many homeowners feel aghast when they learn that their. Unfortunately the answer to that is most likely no homeowners insurance will not cover termite damage.
Termite infestations may be prevented with routine home maintenance and is the responsibility of the homeowner. Why is termite damage not covered by home insurance. Unfortunately your agent is correct in saying that homeowners insurance typically doesnt cover termite damage.
A standard homeowners policy rarely covers termite damage. If you have extensive termite damage youll need to foot the bill yourself. Unless the damage is associated with a covered peril youll likely pay out-of-pocket.
Homeowners insurance is for unavoidable and unanticipated damage that is sudden and disastrous. No homeowners insurance does not cover termite damage. So in most cases this means you will be footing the bill for repairs due to termite damage in your home.
For example if the termites chew through your wiring and cause a fire your insurance will still cover the fire damage. In general homeowners insurance does not cover termite damage. As a pest control company will tell you termites arent a sudden phenomenon.
Insurance companies will refuse to pay for damages caused by termites. Home insurance doesnt cover termite damage. One such example could be that you have kept up with all your pest inspections and treatments and then you have had a great deal of rain or damp weather damage from storms and damage from termites has been discovered like your floor rotting out from underfoot or part of your ceiling collapsing your homeowners insurance company may send out an appraiser to.
And if any home collapses because of termite damage the insurance. Termites damage about 600000 homes every year. In general property protection covers the physical structure of your home and your personal property inside it from damage caused by perils like fire lightning storms smoke explosions theft or vandalism riot.
Homeowners insurance doesnt cover termites. However termite damage is far from common when it comes to these inclusions. Home insurance carriers expect the policyholder to be a vigilant and proactive homeowner and serious termite damage indicates negligence.
Homeowners insurance is designed to cover risks and damage that are accidental and sudden. The good news is that if you live somewhere prone to earthquakes like California you can buy separate insurance so. Unfortunately the answer is a big NO.
According to the National Association of Insurance Commissioners NAIC many homeowners insurance policies dont cover termite damage or removal.
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