If you’re a homeowner, you’re likely familiar with the importance of having adequate homeowners insurance. But you may not be aware that homeowners insurance typically doesn’t cover termites. While termites can cause significant damage to a home, most homeowners insurance policies exclude coverage for these pests.
When Is Termite Damage Covered by Homeowners Insurance?
In some cases, homeowners insurance may cover termite damage. This typically applies when the damage is caused by a sudden, accidental event such as a wind or hail storm. For example, if a storm knocks down a tree and the tree falls on your home and causes termite damage, your homeowners insurance may cover the cost of repairs. However, most homeowners insurance policies exclude termite damage caused by gradual deterioration. This means that if you have a termite infestation that is not caused by a sudden event, your homeowners insurance will not cover the damage.
What to Do When You Have Termite Damage Not Covered by Insurance?
If you have termite damage that is not covered by your homeowners insurance, you’ll need to find another way to pay for the repairs. One option is to use your savings. If you have an emergency fund or other savings that you can use, this may be the easiest and most cost-effective way to pay for the repairs. Another option is to take out a loan. You may be able to get a loan from a bank or other lender to pay for the repairs. Loans can be a good option if you don’t have the cash to pay for the repairs upfront, but you should be aware of the interest rate and other fees associated with the loan.
How to Detect Termite Damage?
The best way to detect termite damage is to have a termite inspection. A termite inspection is a thorough inspection of your home that looks for signs of termite activity. During the inspection, the inspector will look for signs of active infestations, as well as any damage that has already been caused by termites. You should also keep an eye out for signs of termite activity on your own. Some signs include mud tubes, wood that sounds hollow when tapped, and wings left behind by swarmers. If you notice any of these signs, you should contact a termite inspector immediately.
How to Prevent Termites
To prevent termites, you need to take proactive steps to make your home less attractive to them. This includes making sure your home is properly ventilated and sealed, removing any wood or other cellulose material from the foundation, and keeping your gutters and downspouts clear of debris. You should also make sure to inspect and repair any water leaks in your home, as termites are attracted to moisture. Finally, you should have a termite inspection regularly to identify any potential problems before they become serious.
Cover Your Home Against Termites with Duane Weber Insurance
In conclusion, homeowners insurance usually doesn’t cover termite damage. If you have termite damage that is not covered by your insurance, there are several options available to you, including using your savings, taking out a loan, or you can get this coverage as an add-on. Contact us today at Duane Weber Insurance to learn more about termite add-on coverage for your homeowners insurance.