Homeowners insurance creates peace of mind for many homeowners. There are many benefits that allow you to care for your home without spending a large sum of money out of pocket. However, there are situations and circumstances that aren’t usually covered under a standard homeowners policy. Our team of insurance experts at Bridgeway Insurance Group in Montgomery, AL is committed to educating homeowners regarding what’s covered by their home insurance policy. 

Will my Home Insurance Cover Termite Damage?

Typically, your home insurance policy will not cover termite damage or pay for the removal of termites. Termite damage is considered preventable. It’s up to the homeowner to take the steps to treat or get rid of the termites in their home. Failure to do so is considered neglect under most homeowner insurance policies. Typically, a homeowners, renters, and condo insurance policy will not cover termite damage or termite removal. 

However, on the other hand…

There are a few situations that are coverable under a homeowners insurance policy. Both of these circumstances are considered coverable if the termite damage occurs as a result of some other coverable condition, or if the presence of termites is unknown. These two circumstances will pay for the repair of termite damage up to the limits outlined in the homeowners’ policy. 

If your home completely collapses as a result of termite damage, your home insurance policy may pay for the repair of your home and the removal of termites. Also, your policy would cover termite damage if a covered situation or circumstance causes termite damage. If your pipes burst, creating a moisture issue which in turn leads to termites populating and damaging your home, your insurance policy may pay for the damage and the removal of termites.

Furthermore, if you have termites and are completely unaware of this fact, or the termite issue is hidden as a result of other issues, your policy will likely cover the damage under these circumstances too.

Contact Us Today

If you have questions regarding what’s covered by your home insurance, call us at Bridgeway Insurance Group in Montgomery, AL. We’d be happy to answer all of your questions.