Does Home Insurance Cover Termites?
WouterThere is no question that termites are a huge threat to homes. They can chew through support beams in basements, causing parts of the house to collapse. They can also eat through wiring, resulting in electrical fires.
Fortunately, there are steps homeowners can take to protect their property. The best way to do this is to get a thorough inspection of the home. Then, use pest control professionals to eliminate the infestation.
Typically, your homeowners insurance won’t cover termite damage. Several factors determine whether or not your insurance covers the cost of repairs. If you have been the victim of termite damage, you will need to file a claim and prove that the damage was caused by a covered peril.
If you are unable to prove the original cause of the damage, your insurer may deny your claim. If your home is damaged by water, your insurance will likely cover it. However, if the cause of the water damage was due to a leaky pipe, your home will not be compensated.
There are other types of damage that are covered by your home insurance. For example, animals that visit your home will be covered. But if you’re unsure about your home insurance policy, contact your agent.
If your insurance carrier sends a claims adjuster to your home, you should provide them with a detailed description of the damage. You will also need to provide them with any photographs and videos of the damage. This will help you get the maximum settlement.
