Why Termite Damage Isn’t Covered by Insurance

Finding out your home has termite damage can be stressful enough—but realizing your homeowner’s insurance won’t cover the repairs makes it even worse. Many homeowners are surprised when they learn that termite damage is typically excluded from insurance policies. Here’s why.

1. Termite Damage Is Considered Preventable

Insurance providers classify termite infestations as a maintenance issue, not a sudden accident. Since termites usually take months or years to cause serious damage, insurers see it as something that could have been prevented with regular inspections and professional treatment.

2. Policies Cover “Sudden and Accidental” Damage Only

Most homeowner’s insurance is designed to cover unexpected events like fires, storms, or burst pipes. Termites, on the other hand, work slowly and steadily. Because their damage is gradual, it doesn’t meet the definition of “sudden and accidental.

3. Costs Fall on the Homeowner

Since termite repair expenses aren’t covered, the financial burden is left to the homeowner. Depending on the severity, repairs can range from a few hundred dollars for minor fixes to tens of thousands for structural damage.

4. Prevention Is Your Best Protection

While insurance won’t pay for termite repairs, you can protect yourself by being proactive:

• Schedule annual inspections to catch problems early.

• Invest in preventive treatments such as baiting systems or liquid barriers.

• Watch for warning signs like mud tubes, hollow wood, or discarded wings.
  

Final Thoughts

Home insurance may not cover termite damage, but that doesn’t mean you’re defenseless. With routine inspections and professional prevention, you can avoid the costly repairs termites bring.