Does homeowners insurance cover termite damage?
Homeowners insurance typically does not cover termite damage. This is because termite damage is typically considered to be the result of gradual deterioration or wear and tear, rather than a sudden and accidental event. As a result, it is typically not covered by standard homeowners insurance policies.
Termite damage can be costly to repair, as the insects can eat away at the structure of a home over time. To protect their home from termite damage, homeowners may want to consider purchasing a separate termite insurance policy or pest control service. These policies or services typically provide protection against termite infestations and can help homeowners pay for the cost of exterminating the insects and repairing any damage they have caused.
It is important for homeowners to regularly inspect their home for signs of termite activity and to take steps to prevent infestations. This may include sealing any cracks or openings in the foundation, removing any wood debris or other potential sources of food for the insects, and maintaining the home’s wood structures to prevent decay.