Is termite damage covered by homeowners insurance?

Termite Damage not typically covered

Well you finally got that termite inspection you’ve been putting off and sadly discover the bad news you didn’t want to hear. These critters are infested in your walls and now you need to eradicate them or lose the house. Wait, don’t I have homeowner’s insurance for times like this?

Nope, you guessed wrong, BUT we can give you warranty coverage for termites IF you choose us*!!

Most pest infestations and accompanying damage are considered maintenance issues by insurance carriers. In other words, the insurance company’s position is that you could have prevented the mishap by eradicating the pesky bugs before they ate you out of house and home.

In fact there are 6 things your typical insurance policy doesn’t cover for your home:

1. Termites
2. Sinkholes
3. Mold
4. Sewer backup
5. Nuclear Plant Accidents
6. Acts of Terrorism

“Sudden and Accidental” is the typical wording for coverage on things that are covered under a policy. Tree falls on the house…. that’s sudden…… COVERED.  Leaky roof from old shingles with water tricking in the house and thus causing mold, NOT covered.

On a positive note if the termites eat through a main supporting beam causing the entire roof to collapse that would be sudden and accidental coverage usually. But the main supporting structure that failed from your lack of due diligence, still out of your pocket.

Here at Spears Pest Control we use Termidor, America’s #1 Termite Defense Product to ensure an effective treatment that kills all termites within a 3 month period from application. Contact Us or call 850-682-5354 for a free inspection of your home today and avoid NEEDING to contact an insurance agent for this problem!!

*Please contact us for details and restrictions that apply to a termite warranty for your qualified home.