does most homeowners insurance cover termite damage

If termites were to chew through your homes wiring and cause a fire your insurance company may step in to help pay for the damages as fire is a covered peril under most policies. If you have extensive termite damage youll need to foot the bill yourself.

Does Homeowners Insurance Cover Termite Damage The Answer Might Bug You

Homeowners insurance covers damage from insurance perils like fire theft or storms.

. Award-winning AAA insurance agents can help you find the right coverage for your needs. Hire a pro. This is why it is crucial to have a professional inspect your home for signs of termites and.

Most homeowners insurance policies do not cover termite damageYou should call your insurance provider to find out if your specific policy does or does not cover termite damage. Most homeowner insurance policies will cover foundation repairs due to damage from the following. The dwelling portion of your homeowners insurance policy covers the physical structure of your home including the foundation.

Check your policy to understand exactly what may or may not be. 9 times out of 10 you can see significant evidence of a termite infestation before any real damage is caused so its important to keep an eye out. When you review the list of covered events on your homeowners insurance policy youll notice that.

Many homeowners feel aghast when they learn that their. Unfortunately thats almost never the case. Termite damage is usually due to lack of maintenance and this typically isnt covered by homeowners insurance.

With that in mind it is important to know how. Foundation damage that should be covered by your insurance. A deductible is the number of damages you must pay out of pocket before your homeowners insurance will cover the remaining sum.

A standard homeowners insurance policy rarely covers damage caused by termites unless the infestation is a result of a covered peril or if the structure of your home collapses. In other words you cant file a termite damage insurance claim because its not covered. Policygenius content follows strict guidelines for editorial accuracy and integrity.

This type of damage can be considered a maintenance issue and maintaining a home and property is the responsibility of the homeowner. The average policy deductible is 500. A vehicle crashing into your home.

For example a standard policy doesnt cover water damage caused by exterior flooding. Why is termite damage not covered by home insurance. Much like with bedbugs most insurance companies will not cover termite damage.

Why is termite damage not covered by home insurance. Not only does home insurance not cover termite damage it doesnt cover other certain types of damage too. It takes about three to eight years for termites to do substantial damage to a property.

The reason most homeowners insurance policies do not cover termite damage is because it isnt considered a sudden and unexpected event. Homeowners insurance only covers sudden unforeseen damages. Whether you spot termite damage or not having your home inspected by a trained termite professional can provide peace of mind.

Get the details and learn how to ensure your home is protected. Since most termite infestations take three to eight years to inflict serious damage on a dwelling home. The shortest and most common answer here is no home insurance usually doesnt cover termite damage.

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. In general homeowners insurance does not cover termite damage.

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. Homeowners insurance usually doesnt cover termite damage because its preventable. Call 877 323-4222 or request a quote online to get started.

Unfortunately termite damage is one of several common exclusions in homeowners insurance policies. Homeowners insurance companies dont often cover termite damage because for the most part they consider termite damage preventable. Homeowners insurance generally does not cover termite damage or any other type of pest infestation except for a rare set of circumstances.

Part of the reason most homeowners insurance policies dont cover termite damage is because its not sudden or unexpected. The idea of homeowners insurance is that it covers sudden damage to your homeand termite damage is not sudden. One of the biggest clues that you might have termite damage is drywall with small.

The answer as with most insurance-related questions depends on the specifics of any particular. Standard homeowners insurance policies typically do not cover termite damage or damage resulting from any other pest. Consider the amount of your deductible when deciding whether or not to file a claim for bullet holes.

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