Answer: In some cases Explanation: Homeowners insurance policies will not cover damage caused by termites or any other pest because they're considered preventable.
But there are two cases when it will cover termite damage, up to the limits of your policy:
1. When the house completely collapses from termites.
2. A covered risk or peril causes the termites.(ex. Leaky pipe or flood) |
Guardian Termite & Pest Control, Inc. |
Answer: Not sure Explanation: Never dealt with termites |
Cosmic Cleaning Services |
Answer: Rarely Explanation: THIS WOULD HAVE TO DETERMINE BY THE CLAIMS DEPARTMENT. HOWEVER, IN THE POLICY JACKET IT STATES COVERAGE IS DUE TO SUDDEN AND ACCIDENTAL. |
Ligon Insurance and Financial Services, ICN |
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ProMatcher |
Answer: In some cases Explanation: Most homeowners insurance policies do not cover termite infestations, However there may be coverage for resulting damage to the structure once the infestation has been addressed, depending on the type and scope of coverage you purchased. |
Massey Services |
Answer: Rarely Explanation: Termites are referred to as bugs, vermin, or pesky insects. They can and usually do create a great deal of damage in a relatively short period of time. Insurance companies consider the damage caused by the termites to be preventable. That's why they do not straight out cover damage to your home by termites. |
Major Insurance & Tax Group |
Answer: Rarely Explanation: Case by Case depending on the insurance company |
Farmers Insurance |
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ProMatcher |
Answer: Rarely Explanation: Homeowners insurance doesn't normally cover termite damage or removal. That's because termite infestations can typically be prevented through routine home maintenance, which homeowners are responsible for. If termites were to chew through your home's wiring and cause a fire, for example, your homeowners coverage could step in to help pay for the damages, as fire is a covered peril under most policies. |
Rite Choice Insurance |
Answer: Rarely Explanation: Because termite infestations can typically be prevented through routine home maintenance, which homeowners are responsible for. |
Carolina Pest Control LLC |
Answer: Never Explanation: Termite and pest damage is really never covered under homeowner insurance. |
Responsible Pest Control |
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ProMatcher |
Answer: Rarely Explanation: In most cases, and unendorsed homeowners policy excludes losses caused by termites. |
Mutual of Omaha |
Answer: In most cases Explanation: In most cases termite damage would be covered as long as it wasnt' due to neglect of the home. |
Farmers Insurance-Chris Faverty Agency |
Answer: Not sure Explanation: This would depend on the insurance overages |
Gilded Leaf Home Inspections LLC |
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ProMatcher |
Answer: Rarely Explanation: This depends on your policy coverages. Check with your agent. |
Farmers Insurance |
Answer: Never Explanation: Any insect or animal damage is a common exclusion and is not covered |
MetLife |
Answer: In some cases Explanation: Upon purchase, homes are inspected. When a home is first insured, the home is inspected. If there is termite damage discovered during the initial inspection, then recommendations will be made to correct it. For a home that's been occupied and insured for a while, if termite damage is discovered, then the claims adjusted will look for factors to see if preventive measures have been made before processing the claim. It's the homeowner's responsibility to make their home less attractive to termites, such as being free of debris and standing water. |
Lockhart's Insurance Services |
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ProMatcher |
Answer: In some cases Explanation: Homeowners will cover attic restoration for rodent infestation |
Texas trappers |
Answer: Rarely Explanation: Homeowners policies are designed to cover accidental and sudden catastrophes. Termite damage is preventable through proper home maintenance and care. |
G.L. Anderson Insurance Services, Inc |
Answer: In some cases Explanation: That would be up to your policy |
Fall Guys LLC |
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ProMatcher |
Answer: Not sure Explanation: Depends on the carrier, typically no |
MC2 Home Inspections |
Answer: In some cases Explanation: In some cases |
Finite Solutions Inc. |
Answer: In some cases Explanation: Depends on whether client knew about termites and did nothing about it or not. |
Liberty Mutual Insurance Company |