Does Homeowners Insurance Cover Termite Damage?
According to the National Pest Management Association, termites cause more than $5 billion in damage in the United States. It is important to know that Termites are a very real threat to your home and Homeowners Insurance generally doesn’t cover such damage.
Homeowners Insurance is designed for covered perils that are sudden and accidental; termite and other pest infestation damage can be prevented by proper home maintenance inclusive of regular inspections and spraying by a Termite Inspection subscription.
Homeowners can regular inspect the home to make sure that exterior water is properly drained away from the home and all gutters and downspouts are clear. Any foundation cracks should be properly sealed to prevent a convenient entrance for pests. Any firewood or wood piles should be kept distant from the home as these are feeding grounds for termites.
It is also a good idea not to plant and shrubs are vegetation close to the home especially if growing against wood surfaces.
The best form of prevention is to schedule an inspection by an exterminator company and arrange for a treatment schedule to prevent a convenient habitat for pests.