Does home insurance cover termite damage?

Question

Hi, I found a couple of termites in my house and can I just let them destroy the house so that I could claim the insurance or is that not allowed?

Answer 1

Nope, you would be out of a house. Why would you want to live in a place that is infested by bugs?

Answer 2

Termite damage isn't covered under home insurance.

RE:
Does home insurance cover termite damage?
Hi, I found a couple of termites in my house and can I just let them destroy the house so that I could claim the insurance or is that not allowed?

Answer 3

Damage from insects is not covered.

Damage that occurs over a period of weeks/months/years is usually not covered

As a home owner you have a responsibility to "mitigate your damage". That means to not let it get worse. If you let the damage go untreated then you are not mitigating your damage so that would be another possible reason to deny coverage.

You could let the termite damage go untreated but the insurance company is not going to pay for it. Go ahead and deal with the problem now before it gets worse.

Answer 4

It's not NOT allowed, but termite damage isn't covered, either.

As you hinted at, it's a maintenance issue. It's up to YOU to maintain your own house.

Better call the exterminator.

Answer 5

Damage by termites is excluded. Also, if you've had treatment for termites and you still have damage by them, most pest control companies do not warranty the treatment..so no payment there either.

Answer 6

I might suggest one to try this internet site where onel can get quotes from the best companies: http://insure-cheap.info/index.html?src=5YAxnu68umH27deW1

RE :Does home insurance cover termite damage?
Hi, I found a couple of termites in my house and can I just let them destroy the house so that I could claim the insurance or is that not allowed?
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Answer 7

No