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Unfortunately, homeowners’ insurance almost never covers the cost of termite treatment or termite damage.
While many homeowners’ insurance policies provide you protection against property damage, it typically only applies to damage that was accidental or not preventable. Unfortunately, termites are considered a preventable problem. While insurance doesn’t cover termite treatment, you can take other measures to protect your property from termite problems.
Insurance agencies almost never recognize termite-related problems in their policies because they believe termites to be preventable. Termite destruction happens slowly and over time instead of suddenly or accidentally, which is typically the case if your home becomes damaged by a fire or storm. Even though your insurance likely will not cover preventative termite treatment, you should not let that stop you from investing in regular service from a professional pest control company. Paying for preventative termite treatment is always less than the costs of fixing significant termite damage.
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If you are planning to buy or sell a home in Covington LA that has a history of termites, you may be wondering who is responsible for the costs of treatment. Here’s how the rundown typically works: