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Does Homeowners Insurance Cover Termite Damage?

homeowners insurance Greenville, SC - The Morgano Agency

Most standard homeowners insurance policies typically do not cover damage to your home inflicted by termites or any other type of animal. Homeowners should take the initiative to protect against infestations.

Your homeowners insurance coverage is designed to cover protection against harm resulting from unexpected, unforeseen occurrences, such as a tree crashing into the garage or a blaze in the kitchen. Homeowners must stay on top of ordinary upkeep. Especially for those living in hotter and more humid climates, checking for and preventing house termites should be at the top of their maintenance to-do list.

Homeowners may be taken aback by the unexpected destruction created by a termite infestation, however, this situation is not viewed as an "accident" since it was avoidable with caution and falls under the homeowner's accountability.
 
Besides normal check-ups and upkeep, homeowners can search for evidence of termites to identify an issue in its early phases. What are termites? There are three distinct varieties of termites: drywood, dampwood, and subterranean, yet they all consume cellulose material such as wood and paper.

Different conditions draw in various kinds of termites. Damp wood termites are drawn to moisture, so take steps such as making sure your gutters are functioning properly to keep water away from the house.

Fix any dripping taps, air conditioners, and worn roof tiles. Check all wood surfaces including door frames, cupboards, and window sills for signs of infestation. Tap the foundations to hear if it sounds hollow as this may be a sign of an unwelcome guest. If you find wings on the windowsill or anything resembling coffee grounds or sawdust in odd places then act quickly.

In certain cases, homeowners may be eligible for reimbursement for repairs related to termite damage.

At first, the response to “Is termite damage insured?” may not be favorable, but a homeowner may have some success when attempting to make a claim in connection with termites. Whether a claim for fixing the harm caused by termites will be accepted depends on the details of your policy.

For example, fire destruction is typically particularly mentioned as a situation that the insurer will insure. If termites chewed through wiring that ignited the blaze, owners may be recompensed for the items ruined by the fire.

An unexpected occurrence such as a fire is distinct, however, from the deterioration that is gradual. Suppose, for example, a wooden porch begins appearing abnormally weathered and bloated compared to its original form.
 
An insurer will argue that the owners disregarded the signs of termites damaging the porch and should have taken action. Any damage caused by lack of upkeep is considered to be a result of owner carelessness, and an insurer will challenge that assertion.

If a policy-covered risk or peril causes the termite infestation, you may receive compensation when you file a claim

If a peril or risk that is insured under the policy causes the termite infestation, you may be eligible for reimbursement.

Homeowners may also have a valid claim for termite damage to be approved by their insurer if they can prove the root cause of their termite infestation was directly related to a “covered peril” in their policy, like wind or fire.

For instance, consider a burst pipe that creates a tempting moist environment for termites. The claim may be successful if a homeowner can argue that the termite damage is directly linked to the internal leak. Or, if a wind storm rips off some out-of-sight roof shingles, which is also a termite haven, the same logic holds. The wind is the root cause and is also a named peril covered by the homeowners insurance policy.

Consider regular termite inspections to avoid paying for repairs due to termite damage not covered by insurance. 

The avoidance of termites is essential. The cost of a termite control plan is comparatively reasonable (in comparison to the expense of remedying destruction), and yearly checkups usually range from $50 to $280. Homeowners who are new to termites (such as those relocating from a cold region to a damp, warm area) can take advantage of an assessment and let an expert demonstrate all the places that could indicate signs of these wood-destroyers.

Cupboards, roof joists, wall coverings, window ledges, and numerous other places where timber or cellulose materials are present should be included on a list. When an owner puts their house up for sale, the purchaser's loan provider may require an assessment so that the asset underwriting the loan isn't in danger of termites.
 
If a home seller has not taken proper care of the property and termites are found during the sale process, the buyer and their loan provider may ask for a termite bond or guarantee. These bonds usually cost up to $2,000 and provide protection from future infestations of these pests.

Although termites may not usually be included, the top home insurance providers can provide termite insurance plans that meet your budget and requirements.

Consumers desire insurance premiums to be cost-effective with any insurance product, and they may not give much thought to the breadth of the coverage initially. However, when an insured event takes place, the promptness of the insurer and the extent of protection in the policy becomes of utmost importance.

Choosing the most suitable plan from one of the top homeowners insurance providers necessitates searching for discounts as well as guaranteeing your residence is adequately protected. As an example, one way to reduce rates is to increase the deductible, however, that can only be a wise decision if you have readily accessible savings to cover the deductible amount.
 

Homeowners Insurance In Greenville with The Morgano Agency

If you have any questions about what is covered or not covered by homeowners insurance contact us today.  Our agents at The Morgano Agency would be happy to answer any questions you may have.  If you need to purchase a homeowners insurance policy we will shop around to find you the best homeowners insurance coverage at the best rates for your needs.