Does Homeowners Insurance Cover Termite Damage?

​Congruent to pestworld.org, termites, also known as "silent destroyers," are insects that invade your home and cause property damage. This eusocial insect can chew on wood, paper, floorings, or even wallpapers undetected. Termites can also chew the insulation, swimming pool liners, and filtration systems. These silent destroyers also injure woody plants and shrubs.

On top of that, a family’s home can be infested with termites. Some people take time to inspect a house, including the area, to avoid these pests. Of course, these people do not want termites silently feasting on their investments. That is why the homeowner must be responsible for invasive termites.

Termites Infesting Home
The homeowner will be able to know that these termites are infesting their home by:

• Knowing what the termites look like
• Knowing how they chew 
• Regularly cleaning
• Checking behind walls, floor coverings, insulation, etc
• Earthen mud tubes on walls and floors

What Should I Do To Get Rid Of Termites?
Getting rid of these silent destroyers requires knowledge and special skills. Eliminating termites also requires professional pest control agencies. This agency or company will help the homeowner to kill termites. They will be using large spray tanks, long metal rods, and masonry drills here. 

However, this indicates that the homeowner must set aside a budget. If the home is infested with these termites, will home insurance cover the damaged home? Unfortunately, a home eaten by termites is not covered by home insurance. Insect control is the homeowner's responsibility to prevent.

The premium holder should review and understand that the policy does not cover termite attacks. The only thing home insurance would cover is the sudden attack of wild animals that may damage a home. That being said, home insurance can only pay for unexpected and unpreventable events. Termites can be preventable with good home management and pest control.

Conclusion
The home insurance policy does not cover termite damage to someone's home. However, other home insurances may cover it under certain circumstances. Yet, this kind of policy is uncommon. The best thing is to understand the warning signs and the preventable measures to keep your home free of pests.

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