Does Homeowners Insurance Cover Termite Damage?
One of the most substantial risks to any home is termite damage. These insidious insects can do enormous damage before you even know they’re there. The fearsome Fermosa termites have been known to destroy a foundation in a matter of months. Drywood termites live above ground and get into your walls and your rafters.
Typically the first sign of a termite infestation is the presence of a winged termite in your home. If you find one of these, then it’s time for you to call the termite professionals. Unfortunately, the damage could already be done. What do you do, if you find that your beams or your foundation have been practically eaten through?
Most people’s first instinct would be to call their homeowner’s insurance company and ask them to handle it. The problem is that termites are not, in fact, covered by the typical homeowner’s insurance policy. Similarly to flooding, this is one peril insurance companies are simply unwilling to defend you against, perhaps because the chances of it happening are so extremely high.
So, whether your insurance for your house is in Montanaor New Mexico, it is up to you to guard your house against termites. The easiest way to do this is by purchasing “termite insurance” from a professional termite control company. Under the terms of this agreement they inspect your house regularly, treating it as needed, and if, despite their efforts, you suffer damage from termites, they will pay for the repairs.
To know whether such a contract is worth the money for you, you should find out a little bit about how prevalent termites are in your area. Learn the signs of their habitation, and have your house treated every five years or so. If, despite these measures, you are having trouble controlling them, or if you had a large infestation that was difficult to get rid of, you may wish to purchase the insurance.
For other forms of home risk, such as fire, high winds and theft, purchase regular homeowner’s insurance. A house is the largest investment most people ever make, and it pays to keep it safe.


26. Nov, 2011 