Unfortunately the answer is no, home insurance doesn’t cover termite damage. Termite damage isn’t covered by home insurance mainly because termites are classed as an “insect”, and unfortunately home insurance policies don’t cover damage caused by insects.

Do home insurance policies cover termites?

Here’s the quick answer: Pest control is your responsibility as a homeowner. Insect infestations can be prevented with proper maintenance, so termite damage is not covered by home insurance. Your policy can cover sudden damage caused by wild animals.

What do you do if you have termite damage?

Although termite damage may be reversed through professional repair, homeowners should first call a local termite specialist. Repairs should not be made until a licensed pest professional has confirmed that there are no longer termites present and the risk of further infestation has been eliminated.

What is the best way to get rid of termites?

Some of the best ways to get rid of termites is to apply termite-killing products to your home’s exterior, use direct chemicals on the inside of your home, set up termite baits, and spray boric acid in your floors and walls.

How much does it cost to spray for termites?

The average cost of a termite treatment ranges from $200 to $900 with a typical treatment costing around $560. This breaks down to anywhere from $3 to $16 per linear foot of home.

Is there a spray for termites?

They provide immediate and short-term solutions to termite infestations. If you have termites, the best solution is to use Precision Foam Termite Spray for nooks and crannies, Bayer Termite Killer Spray for around the outside of your home, and Terro Termite Spray for your home’s interior.

Is the cost of termites covered by homeowners insurance?

The cost to remove termites and repair their damage is generally not covered by your homeowners insurance. Can termites actually damage my home? According to the National Pest Management Association, termites cause $5 billion in property damage each year. Termites eat wood, including the support beams in your house or the walls.

What kind of damage can a termite do to a house?

Termites don’t only destroy wood, they can also destroy cloth, carpets and paper. While home insurance won’t typically cover damage from termites or other pests — like rodents — there are measures you can take to help prevent infestations in the first place.

Can you file a claim for termite damage?

In practical terms, this means that you won’t be able to file a claim for termite damage regardless of the cost. If the termite damage leads to collapsed beams or broken staircases in your household, the insurance provider will refuse to compensate you.

What should I do if I suspect termites in my house?

According to the NPMA, termites cannot effectively be treated by the homeowner alone. If you suspect a termite infestation, you should contact a professional to determine the extent of the damage and the best treatment plan. Does Homeowners Insurance Cover Landscaping?