Termites and Home Insurance Are You Covered

If you're a homeowner, you're undoubtedly familiar with the importance of homeowners insurance. This insurance provides coverage for your home and its contents in the event of damage from covered perils, such as fire, theft, and windstorms. However, you may not be aware that termite damage is not always covered by homeowners insurance.

Coverage for Termite Damage

• Most homeowners insurance policies include coverage for sudden and accidental damage caused by termites. This type of damage is typically caused by a termite infestation that has occurred within a short period of time, such as a few months or years.
• However, homeowners insurance typically excludes coverage for damage caused by termites that have been present for a long period of time. This type of damage is considered to be gradual and ongoing, and therefore not covered by most policies.

Preventing Termite Damage

The best way to protect your home from termite damage is to take steps to prevent an infestation. This includes:

• Inspecting your home regularly for signs of termites, such as mud tubes, wood damage, or swarming termites.
• Eliminating sources of moisture around your home, such as leaking faucets or clogged gutters.
• Keeping woodpiles and other cellulose-based materials away from your home.

Termite Control Services

If you think you may have a termite infestation, it's important to contact a professional pest control company immediately. A professional can help you to identify and treat the infestation, and prevent further damage to your home.

Conclusion

Termite damage can be a costly problem, but it can be prevented with proper care and maintenance. By following the tips above, you can help to protect your home from these destructive pests.