Does homeowner's insurance typically cover termite damage?

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)

Answer: Not sure
Explanation: Never dealt with termites

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.

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.

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.

Answer: Rarely
Explanation: Case by Case depending on the insurance company

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.

Answer: Rarely
Explanation: Because termite infestations can typically be prevented through routine home maintenance, which homeowners are responsible for.

Answer: Never
Explanation: Termite and pest damage is really never covered under homeowner insurance.

Answer: Rarely
Explanation: In most cases, and unendorsed homeowners policy excludes losses caused by termites.

Answer: In most cases
Explanation: In most cases termite damage would be covered as long as it wasnt' due to neglect of the home.

Answer: Not sure
Explanation: This would depend on the insurance overages

Answer: Rarely
Explanation: This depends on your policy coverages. Check with your agent.

Answer: Never
Explanation: Any insect or animal damage is a common exclusion and is not covered

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.

Answer: In some cases
Explanation: Homeowners will cover attic restoration for rodent infestation

Answer: Rarely
Explanation: Homeowners policies are designed to cover accidental and sudden catastrophes. Termite damage is preventable through proper home maintenance and care.

Answer: In some cases
Explanation: That would be up to your policy

Answer: Not sure
Explanation: Depends on the carrier, typically no

Answer: In some cases
Explanation: In some cases

Answer: In some cases
Explanation: Depends on whether client knew about termites and did nothing about it or not.