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  • Writer's pictureJesus Gonzales

Does Home Insurance Cover Termites? How to Find Out and What to Do Next


Are you worried about termites damaging your home? Do you want to know if your home insurance covers termite damage? This guide will provide some helpful tips you need to know about termite damage and whether or not your home insurance policy covers it.


Understanding the Condition of Termites and Home Insurance Coverage

It can get confusing when dealing with pests like termites, especially when you get handed a home insurance policy with a lot of legal language to decipher.


So, to help you better understand your home insurance contract, let's get to the heart of the question: does your policy cover termite damage?


In this article, we'll dive into the link between termites and your home, decide if your insurance policy covers termite damage, and offer advice on spotting, preventing, and responding to a termite infestation. By the end, you'll be equipped with the knowledge to handle any termite troubles.


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The Connection Between Termites and Your Home


How Termites Damage Your Property

Termites often deemed the "silent destroyer," eat away at the wooden structures in your home. Not limited to just wood, they can wreak havoc on your furniture, ceilings, and cabinets and even chew through plaster and metal. These discreet pests live within your home, creating damage over years before they're discovered. Sometimes, the discovery needs to arrive earlier, necessitating significant repair work. According to North Carolina State University scientists, termites typically take three to eight years to cause observable damage. (see full article here)


The Financial Implications of Termite Damage

The financial blow termites deliver can be significant. According to the National Pest Management Association, homeowners bear an estimated $5 billion annually for control measures and repairs. (see the full article here.) The average individual may shell out $1,800, though this figure may skyrocket in severe cases. Unlike movie villains, these ravagers don't spare anything; flooring, carpets, furniture, everything faces their wrath. So, it's a good time to ask, "Does my home insurance policy cover the damage?


Cracking the Code: Does Home Insurance Cover Termites?


Scenarios Where Home Insurance may not Cover Termite Damage

There are frequent instances where home insurance falls short of covering termite damage. These situations include neglect, where you must maintain your property or take termite prevention measures as a homeowner. Gradual damage is another exclusion. Termites infiltrate your home slowly over time. If you fail to spot it timely, you'll bear the costs. Lastly, your insurance won't usually cover personal property damage, like furniture and instruments gnawed by termites. Thus, it's essential to watch for these stealthy destroyers.


Noticing and Preventing Termite Infestations


Spotting the Signs: How to Identify Termite Damage in Your Home

To catch these crafty invaders early, stay alert for common signs: sagging or buckling wooden floors, peeling paint resembling water damage, mud tubes on walls or foundations, or piles of discarded wings. Strike suspected termite hotspots with a screwdriver. Do they sound hollow? If yes, you've likely got a termite troop in residence. Remember, vigilance is your best defense.


Proactive Measures: How to prevent termite damage

Preventing termite damage is more manageable than curing it. Inspect your home annually, focusing on door frames, window frames, and other wooden areas. Maintain your property by keeping it free of dead plants and untreated wood. Ensure gutters and roofs don't leak, prevent moisture accumulation, and never stack firewood next to your home. It's also worth keeping plants and mulch a safe distance, ideally three feet or more from your home. A routine inspection and these preventative steps can go a long way in shielding your home from termite damage.


Responding to Termite Damage


What to Do if Termites Have Damaged Your Home

If you suspect or discover termite damage, don't panic. Remember, damage happens slowly over the years. Call up an exterminator immediately for an inspection. After assessing the damage, they can recommend a course of action and exterminate the termites. Upon elimination, begin repairs either by replacing the damaged wood or bolstering it with additional support.


RAISING YOUR SHIELD: Getting Termite Insurance


When and Why Should You Get Renewable Termite Service?

If your house is in a termite-prone area or if you've had previous termite problems, termite insurance makes sense. Offering consistent protection could help alleviate stress over termite invasions. It might also be beneficial when selling your home, as a termite-free certificate could add another selling point to your property's value.


Home Insurance for Termite Damage FAQs


Does My Insurance Policy Cover Termite Damage?

Typically, homeowners insurance does not cover termite damage, considering these pests and the damage caused to be preventable through regular maintenance and inspections. However, thoroughly reviewing your policy or consulting your insurance provider to clarify doubts is always a good idea. Remember, constant vigilance is critical to preventing termite havoc.


How Can I Find Termites in My Home?

Eyes wide open for signs like discarded termite wings, sagging floors, peeling paint, and mud tubes along walls can help you sniff out these pests. Tapping wooden surfaces with a screwdriver can also reveal infestations - a hollow sound indicates termites residing. Lastly, professional pest inspections annually shouldn't be skipped, as these critters are often elusive to untrained eyes. Your home, your fortress; keep it termite-free.


How Do I Prevent Termites?

Preventing termites is a blend of vigilance and care. On the care side, eliminate dead vegetation and untreated wood from your property, repair roof leaks promptly, keep water away from your foundations, and always maintain distance between woodwork and soil. On the vigilance side, schedule annual inspections with professionals like our preferred partners at Budget Bros Termite & Pest. They offer one-time and renewable services at very low rates. You can schedule an inspection by contacting their customer service team at 602-253-2495 or by clicking here to complete your service request form. Together, these precautions will provide a robust shield against termite invasions.


Would you like to know more about your home insurance policy?

At Anchor Home Insurance, we do our best to protect your interests and provide the best recommendations to protect your home. If you have any questions, please contact us at 623-343-0212.









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