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Is termite damage covered under home insurance?
While pulling up some flooring in our home, my husband and I noticed termite damage. I’m worried we may have an infestation. Will termite damage be covered under our home insurance?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no—I’m sure that’s the last thing you wanted to find while renovating your home! While unfortunate, termite damage is seldom covered under a
home insurance
policy.Home insurance covers damage from
covered perils
that are accidental and sudden. Insurance companies consider damage from insects or other pests to be neither of those things. Whether you knew it or not, these pests have been living with you and are considered preventable with proper maintenance, which is why your insurance won’t cover the damage. If you want to determine where the termite are in your home, you should call an exterminator and keep an eye out for:
- Termite tunnels. The tunnels are small tubes that resemble mud and often appear in a vine-like pattern on exposed wood.
- Wood damage. Wood damage caused by termites will resemble a carved maze or have a hollow sound when tapped.
- Irregular flooring. If your floors are buckling, sagging, or look like they may have been affected by water damage, it could be termites.
- Termites. The pests themselves resemble flying ants, but they’re typically pale yellow and have straight antennae.
Finally, to help cover the cost of an exterminator and ensure you’re not overpaying for either home or
car insurance
, you should use Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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