Does Your Insurance Cover Termites?

Did you know termites are not covered under your home insurance policy?

What a frightening thought!

Most insurance carriers don’t cover damage caused by termite infestations. Some policies will call it wood-destroying insect damage. The reason is simple. Insurance companies believe termites are preventable, which means your insurer considers it as a maintenance issue. Most policies, as a rule, don’t cover things that are considered maintenance issues and are more likely to cover damage that is considered accidental.

Preventing Termites

The best way to prevent termites is to have your home inspected for them annually, according to the Termite Institute. Inspections are important in neighbourhoods where there is a history of damage by termites, or in humid, wet areas. All termite-control products diminish over time, and changes in your home can necessitate more periodic visits from a pest control company. These changes can include cracks in the foundation or the walls of your home. Know the danger for termites in your area, and if you are buying a new home, make sure it has been inspected for termites.

When did you last have a Timber Pest Inspection?

We all know that we put things off from time to time, but this serious issue could quite literally be eating away at you and your home!


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