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. Insurers deem insects as a “preventable” problem, which of course puts the responsibility back on the homeowner.

How expensive can termite damage be?

Termites – one word that strikes fear into the heart of most property owners in the U.S. Termites cost American property owners $5 billion annually, affecting around 600,000 homes. The average cost to repair termite damage is $3300.

Can a termite be covered by home insurance?

Termite damage is typically not covered by homeowners insurance, according to the Insurance Information Institute (III). 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.

How much does termite damage cost a home?

According to the National Pest Management Association (NPMA), they cost homeowners an estimated $5 billion a year to control and repair damage. If playback doesn’t begin shortly, try restarting your device.

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?

Why are termites considered to be preventable pests?

It’s because termite damage is preventable. Termites, like bed bugs and rodents, are categorized as pests. These pests can be prevented if the homeowner employed measures that will stop the infestation. Unlike termite damage, storms and natural catastrophes are beyond the homeowner’s control.