Is termite damage covered under home insurance?

by Rob Arrietta 10/01/2023

yellow image with figure of termite

Owning a home can be a wonderful experience. You have your very own space to do as you please. However, there are also many challenges to homeownership. Every year, many homeowners battle termite damage. This guide provides a basic understanding of termite damage coverage and how to protect your home from these critters. 

Does homeowners insurance cover termite damage to your home? 

Unfortunately, home insurance policies don’t offer coverage for damages to your property from termite infestations. Subterranean termites tunneling and eating away at your home is a slow process, whereas homeowners insurance is reserved for unforeseen emergencies and accidents. Insurance companies consider termite prevention as a normal part of home maintenance. 

How do you detect termite damage?

So, how do you detect termites to prevent damage? Doing routine checks a few times a year can greatly help in spotting a termite infestation before extreme damages occur. For example, you may notice a pile of insect wings. A specialist can identify if they belong to termites and examine your home for damages. Hiring a professional usually costs around $50 to $200. 

Defend your home from termites

With the right preventative measures, you can stop termites from invading your home. These include: 

  • Not stockpiling firewood close to your home. 
  • Make sure water from storm drains doesn’t fall too close to your home’s foundation.
  • Check areas around your home for tunneling. 

Termite damage can be an annoyance. However, the right surveillance and being proactive will protect your space. Speak with a local termite specialist today for more information.

About the Author
Author

Rob Arrietta

When “EXPERIENCE MATTERS” Choose ReMax Rob, He's On The Job!Rob Arrietta, better known as ReMax Rob, has developed a successful career as a full-time Broker Associate since 1982. During this time, Rob has handled numerous transactions, always maintaining a deep drive to help people by delivering exceptional, unwavering service and exceeding their expectations. ReMax Rob has been qualified by reputation, but we know that you might be looking for more than qualifications in selecting your real estate professional. So why should you choose Rob? His service philosophy is based on relationships and not transactions.Service begins before the transaction starts and extends beyond the close of escrow. ReMax Rob's many repeat clients, new friendships, and referrals testify this approach. Give us a call and let's get this conversation started!