Home Insurance Does Not Cover It!
- Fixing a termite infestation can cost thousands of dollars and require professional home repairs.
- Homeowners' policies do not cover most termite damage, except in rare cases such as other covered damages that could be related to termites (i.e. roof damage allowing entry of termites)
- If the homeowner is previously aware of potential termite damage, an insurance carrier will deny claims.
- According to the Insurance Information Institute, pest and rodent problems are considered preventable. Homeowners are expected to take proactive measures to avoid infestations.
- Home insurance won't cover damage that occurs slowly over time.
Signs of Termite Damage
- Damp wood: Termites like moist spaces, so it is important to look at potential damp habitats around foundations, such as near leaking gutters or around overgrown bushes. Eliminate moisture-producing settings where possible
- Blistered wood, bulging floors, ceilings, or walls: If termites begin to imbed into your home’s wood, you may notice these signs of their presence.
- Mud tubes: Tunnel-like pathways on foundations and crawl spaces; wings and droppings
- Pinholes in walls with small piles of wood debris nearby
How to Prevent Termites
- Eliminate termite food sources. Termites eat cellulose, which can be found in firewood, plants, mulch, and other woody materials. Keep them at a distance from your home.
- Seal entry points to keep termites out. Check the foundation for cracks and holes. Seal gaps around any water and gas lines that run outside the home. Look for leaky pipes or gutters causing standing water.
- Schedule annual termite inspections. This is an important step for all homeowners. An annual inspection can catch an infestation early and prevent further damage.
- Have a professional install a Termite Prevention (Baiting) System. This is a collection of 10" cylinder-shaped devices that attract and kill termites before they can get to your home. Only a state-licensed professional can install a termite baiting system.
Article Source: Elizabeth Rivelli, Insurance Writer, BrankRate LLC,