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Does Home Insurance Cover Termite Damage

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Can Termites Damage Your House

Termites Control Sydney | Home Insurance doesn’t cover Termite damage

Dont take termite control as an insignificant issue. Once out of control, the cost of repair can be incredibly high. Studies have proven that termites bring massive property damage each year with an estimated cost of $5 billion.

Since termites are fond of eating wood, they can damage the entire interior of your house. They feed on wooden floors and furniture and can eat almost anything. Without you knowing, termites might do massive damage. By the time you know termites have crawled into your house, it will be too late. The repair costs associated will be quite high as it will require you to replace all wooden items.

Can You Get An Insurance Rider To Cover Termite Damage

Standard home insurance policies offer a lot of coverage, but they dont cover everything.

For example, a standard policy does not provide flood coverage, earthquake coverage, and some policies limit windstorm protection.

Homeowners can add riders or endorsements for added protection, though. This includes getting a separate policy for flood insurance, earth movements, or extra windstorm protection.

Unfortunately, there isnt a rider or endorsement to cover termite damage.

If youre concerned about termites, some pest control companies offer maintenance plans.

Plans vary, but often include an annual termite inspection and treatments.

What Are The Signs Of Termite Damage

Before knowing what to look for regarding termite damage, its important to know what youre dealing with. There are three main types of termites that are commonly found in a home, and each affect different parts of the home.

Subterranean termites are most common in more humid regions, like the southeast United States, and theyre usually found underground in basements. Dampwood termites prefer wet wood, while drywood termites are fans of dry wood and are typically found in wood, walls and furniture.

Some signs of termite damage are easier to spot than others, but familiarize yourself with the signs of damage so you can catch an infestation before it spreads:

Termite tunnels. Termite tunnels can commonly be found near the foundation of your home. The tunnels look like muddy tubes that are often in a vine pattern on your floors or walls.

Hollow sounding wood. Termites often cause damage that isnt visible on the exterior. Tap on the wood throughout your house and listen for a hollow sound.

Sagging floors. If your floor is buckling or sagging, this could point toward termites. Keep in mind, some damage may look like water damage but could actually be from termites.

Holes and cracks. Small holes in the wood and walls or cracks in panels and beams also commonly come from termites. Check them out before they become a bigger problem!

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Example : Wrong Assumption By Homeowners

It is unfortunate but true that most homeowners merely assume that their home insurance policy includes termite damages.

In a recent example, we inspected a customers home at Robina. We found considerable termite damages in this home in the Gold Coast area. We got maximum damage in the lounge room. While showing the termite damage, the homeowner asked us to hurry up and organize everything at the earliest. She asked when we could begin the treatment work because she wanted to contact the insurance company the next morning.

Her home insurance policy did not cover termite damage, and she was under the wrong impression that home insurance policies automatically cover all damages. Consequently, she had to take a small bank loan to install a chemical termite barrier. Moreover, she had to incur $27,000 of additional structural repairs to her home because of extensive damages by termites.

Tips For Dealing With Termites In The Home

Does Homeowners Insurance Cover Termite Damage?

Termites burrow through mud and will thrive in damp timber. They are attracted to entry points like damp timber struts beneath a home, or exposed piles of firewood. To deal with and prevent termites, homeowners should:

  • Look out for moisture in and around the home, especially around wooden surfaces.
  • Repair leaks as soon as possible.
  • Repair rotting woodwork and other parts as soon as possible.
  • Replace weather stripping and loose mortar around basement foundations and windows.
  • Make sure you have properly-functioning gutters and downspouts that appropriately divert rain.
  • Regularly inspect the foundations of the building and look for signs of mud tubes, uneven or bubbling paint and wood that sounds hollow when tapped.
  • Keep an eye on exterior areas of wood, especially around windows, door frames and skirting boards.
  • Maintain a substantial gap between the soil and wood portions of your home.
  • Store firewood a decent distance from your home and out of the rain.

It’s also worth considering annual termite inspections. These will probably cost around $250 to $350 but it’s cheaper than thoroughly fixing an infestation, and much cheaper than losing your home to termites.

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Are There Any Policies You Can Take Out That Will Cover Termites

Some pest control and building inspection companies offer home insurance when you have a full termite treatment installed. Policies often include timber replacement up to a certain value if termites damage your home. You’ll usually be required to have your home inspected annually for termites as well.

Most policies only last for around 3 to 5 years and many pest control companies can’t offer you the same level of security and services as insurance companies. Nonetheless, a policy like this could be good to have on top of your home or contents insurance.

How To Protect Your Home From Termites

The best way to eradicate termites is to have inspections carried out. This can be done on a monthly or yearly basis. Other factors to consider while deciding on the frequency of inspections include the location of your house and the condition you have kept it in.

It is better if you identify pests in the early stages to prevent damage from happening. A termite control plan is crucial to ensure your house is free from pests. A lot of agencies are providing quality pest control services that can keep your house protected.

Besides these measures, other preventive measures include being careful. Avoid storing firewood near your home as this attracts termites. If you still want to place firewood, it is best that you consult a termite expert. Keep wooden structures in a sealed environment and have a storage shed where wooden items can be kept. Remove any dead trees near your house to prevent the termites from feeding.

These preventive measures can save you from repair expenses. Prevention is better than clean up, especially if you want to go easy on your pockets. Termite control is also crucial for the stability of the house.

Homeowners insurance will not cover termite damage and its up to the owner to carry out regular maintenance and arrange removal services. As a homeowner, you should always be aware of the dangers termites pose to the structure of your home and catch them before they cause significant damage.

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Does Home Insurance Cover Damage From Termites

Homeowners insurance provides you financial protection from damage caused by a number of events, including hail, theft, and lightning among other problems. When your homes structure or personal property are damaged in these scenarios, your insurance carrier reimburses you for the value of the damage, after subtracting your deductible.

But is termite damage covered by homeowners insurance?

Unfortunately, termite damage is one of several common exclusions in homeowners insurance policies. In other words, you cant file a termite damage insurance claim because its not covered.

What Is A Termite

Question Nr#50: Homeowners insurance against termites?

Termites are social insects that live in colonies that are usually found in wood or in the ground. Termites feed on the cellulose in wood and wood by-products, like paper. A colony is typically made up of three types of termites:

  • Soldier. A soldier termites role is to defend the colony. Soldiers do not reproduce or forage for food. Soldier termites are pale red, light brown or white. They are larger than average with heads that are darker in color than their bodies and protruding jaws. Soldier termites do not have wings.
  • Swarmer. Swarmer termites are responsible for reproducing. These termites are dark brown or black and about four millimeters in length. Swarmer termites have two pairs of wings that lie flat over their abdomen when not in use.
  • Worker.Worker termites maintain the colony, build and repair the nest, and forage for food for the colony. Workers are cream-colored and around three to four millimeters in length. Worker termites do not have wings.

Termites are found in all 49 states, with the exception of Alaska. Termites thrive in warmer climates, such as the South, Southeast, Southwest and West. There are three main types of termites found in the U.S.:

Most termite species cannot crawl on the open ground like other insects and build mud tubes to travel from their colony to food sources . Some termite species can remain active year-round and eat wood 24 hours a day.

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Is There Such A Thing As Termite Insurance

There are a few homeowners plans that cover termite damage. Check the fine print on your policy to see what kinds of hazards it covers. You can also look into plans that specifically cover pests and vermin.

Whether or not youre covered, you should learn to spot the signs of these pests. The earlier you catch these signs, the less hassle youll have in the long run.

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How Can I Find Termites In My Home

To the untrained eye, termites are difficult to spot. But once you understand some of the telltale signs, theyre easier to see.

  • Termite tunnels: Look for termite tunnels around your homes foundation and areas where theres exposed wood. These tunnels are small tubes that look like mud, and might be in a vine pattern on walls, floors or even outside.
  • Wood damage: Look for damage, including what looks like a carved maze on the wood. Different types of termites damage wood in disparate patterns, though, so be aware that not all wood destruction follows this pattern. Try tapping on wood throughout the house with a screwdriver and listen for a hollow sound in case the termites have burrowed inside with no visible exterior damage.
  • Irregular flooring: Buckling or sagging floors can also indicate the presence of termites. What looks like water damage could actually be destruction from these pests.
  • The pests themselves: Termites look a lot like flying ants, but theyre a pale yellow color with straight antennae . Termites have two sets of identical wings. You may find wings that have fallen off in locations where they have been.

If theres any question about whether you have termites, call a pest control company to conduct a thorough inspection.

How Much Does Termite Extermination Cost

Does Homeowners Insurance Cover Termite Damage?

The cost of termite extermination depends on a few factors, including the number of termites and the termite colonys size. Small infestations are less expensive to treat, and widespread infestations are more expensive. Before hiring an exterminator, request price quotes from a few companies to ensure the best rate.

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Why Doesnt Insurance Cover Termites

Insurance agencies almost never recognize termite-related problems in their policies because they believe termites to be preventable. Termite destruction happens slowly and over time instead of suddenly or accidentally, which is typically the case if your home becomes damaged by a fire or storm.

Even though your insurance likely will not cover preventative termite treatment, you should not let that stop you from investing in regular service. The cost of paying for termite treatment is far less than the expenses involved in fixing termite damage.

What To Do When You Have Termite Damage Not Covered By Insurance

Unfortunately, there is no such thing as a termite insurance policy. If the home has termite damage that is not covered by homeowners insurance, a professional will need to assess the situation, give you a cost estimate and recommend the best way to solve the problem.

Before choosing an exterminator, have several professionals visit and provide a quote. The service cost will be out-of-pocket, so look for a company that offers fair prices and has good customer reviews. Ask how long the extermination process will take and when a contractor can survey the interior damage.

The next step is to have a contractor evaluate the damage inside the home. Consider getting several opinions about the repairs that need to be made and what it will cost. Any contractor will be able to address a termite infestation and recommend repairs.

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When Termite Damage Is Not Covered By Homeowners Insurance

Termite damage is typically not covered by homeowners insurance, according to the Insurance Information Institute . Bug, pest and rodent problems are considered preventable, and homeowners are expected to take proactive measures to avoid infestations.

Home insurance companies will not cover termite damage that results from neglect. If the homeowner failed to address potential entry points, the infestation would not be covered by insurance. Additionally, home insurance will not cover termite damage that occurs slowly over time.

Personal property that is damaged by termites is not covered by homeowners insurance either. Insurance will only cover damage to the physical structure of the home and attached structures, depending on the policys terms.

Homeowners Insurance Will Generally Only Cover You If The Rain Entered Your House Because Of A Covered Peril

Is termite damage covered by home insurance?

Does erie homeowners insurance cover termite damage. Homeowners insurance will not cover damage caused by termites, nor will it cover termite extermination if you need pest control. Termite damage is only covered in very specific cases by homeowners insurance. Generally speaking, the cost to repair termite damage is not covered by your homeowners insurance.

While homeowner’s insurance doesnt cover termite damage, there is a way to protect yourself. These ants hollow out the wood in order to nest inside it. Yes, there is such a thing as termite coverage, typically obtained through a pest removal service, but youre much better off playing offense on this one by keeping a constant eye out for wood damage.

The only exception is when you get termites from a covered peril such as a water leak in your home. Does homeowners insurance cover termite damage? No, homeowners insurance does not cover termite damage.

It is something that deteriorates over time Repairs covered by homeowners insurance: Read on to learn when the damage is covered, when it’s excluded, and how to file a claim.

Will insurance cover hidden water damage: Most of the common termite damages may not be covered or reimbursed by your insurance company. Termite infestations may be prevented with routine home maintenance and is the responsibility of the homeowner.

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Background Of Homeowners Insurance

Basic homeowner insurance clauses will cover certainconditions and perils relative to the industrys standard practice. Most of thetime, this insurance policy will cover storm damage. However, termite damage isfar from common when it comes to these inclusions.

Some will argue that it should be included in the building clause, which covers the structure of the house. It does cover structural damages, but its usually divided into two: repair and replacement.

The repair clause

The repair clause covers all basic damages brought bynatural disasters. Still, this part isnt absolute. You have to check thestipulations that govern this clause. Insurance policies usually havetriggers situations that will categorize the damage to define its repaircost.

Meanwhile, replacement coverage covers the total replacementof your home if it happens to crumble on the ground. Again, specific clauseswill apply here.

Although it may seem like termite damage fits the bill, onefact excludes it from the coverage.

Is Carpenter Ant Damage Covered By Homeowners Insurance

Ashlee Tilford Les Masterson

Standard home insurance policies don’t usually cover pest-related damage, including the damage done by carpenter ants, though there are some exceptions. It’s best to take the necessary precautions to keep your house free of ants, termites, moths, and other pests because your home insurance won’t pay the repair bills.

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What If I Alreadyhave Termites At Home

Uninsured termite damage means one thing: you have toshoulder the out-of-pocket expenses for the repairs and treatment. The only waythat you can reduce the cost is by getting rid of the pest in the soonestpossible time.

Termite exterminators will inspect your home and assess theextent of the infestation. Most infestations may go unnoticed for months, whichmean that your house might have more damages than what you see from theoutside.

Professional termite treatment will range from $500 to$5,000 depending on the extent of the infestation, the treatment used, and yourlocation.

Signs Of Termite Damage

Does Your Homeowners Insurance Cover Termites : Is your ...

While termites are more common in warm and humid climates, houses and buildings in all environments are susceptible. Termites are attracted to moisture and feed on all forms of cellulose, including wood, cardboard, paper, and even cotton. Known as silent destroyers, they can eat away at your home undetected.

According to the National Pest Association, walls, support beams, cabinets, floors, and ceiling are the most common places in your home for termite infestations. They also have a list of examples of what termite damage looks like, including:

  • Blistered wood that looks splintered or carved

  • Soft or hollowed wood that sounds hollow when tapped

  • Bubbled and uneven paint or wallpaper

  • Mud tubes or small tunnels, the width of a straw, that start at the exposed woodâs foundation and snakes up the walls in a vine-like pattern

  • Evidence of termite colonies like discarded wings, which may signal a new swarm

  • Pellet droppings, essentially grains of wood, that resemble coffee grounds or sawdust

If you suspect thereâs termite damage in a home youâre planning on purchasing, try asking the seller to cover the cost of extermination. However if the damage is extensive, you may want to either reconsider your purchase or ask for a price reduction.

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