Does Homeowner Insurance Cover Termite Damage?

​Homeowner insurance does not cover termite damages as these kinds of damages are not abrupt or sudden. Technically, insurance is given when there is unexpected financial loss, but in this case, termite damages are not like unexpected damages to a house like fires or storms. 

Termites aren't pests that cause damage to your house overnight and unexpectedly. Even though one may not see outright that the house they bought had termite damages, they are still not covered due to maintenance issues and unattended pest damage. 

Expenses from repairing and replacing termite damages are maintenance expenses, different from what insurance may usually cover.

What Does Homeowner Insurance Cover?
Homeowner insurance covers the damages to your house, which will need fixing or to be replaced.

Homeowner insurance should cover unexpected losses from the following:

1. Case of theft
2. Damages from the exterior or interior of your house from natural disasters or fire incidents
3. Clothing, furniture, and appliances 
4. Your pets in case of biting incidents
5. Rental fees from houses or hotels you lodged in while remodeling or repairing your house.

What Can Be Insured From Termite Damages?
Depending on what is stated in your homeowner insurance, you may be insured from termite damages if the house collapses completely due to termites. You may also be covered if there's a certain risk involved with the termite damage in your house. Some homeowner insurance may insure termite damage where termites may be hidden in floorboards or on the back of a wooden cabinet.

If homeowner insurance does not cover your conditions, here are the things you can do: 

1. You may turn to pest control companies to provide you with the best offers.
2. Check on the signed contract between you and the house seller on who is responsible for termite damage or if they have disclosure reports on pest control on the house they're selling.
3. Ask your insurance provider if they offer pest insurance for property damage from pests in addition to your current insurance.

Conclusion
Suppose you ever experience buying a house without knowing its full status, especially on the pest control maintenance of the house. In that case, you can always first check if your homeowner insurance may somehow cover this property damage. 

Since most homeowner insurance won't cover mild to moderate cases of termite damage, turn to pest control companies for treatment and also avail inspection and maintenance to avoid the same situations like this. Maintenance is the role of the house owner and not on the homeowners' insurance.

At Family Auto Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (313) 285-9042. Get your free quote today by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.