Are termites covered by homeowners insurance?

Homeowners insurance is designed to cover risks and damages that are accidental and unpreventable. But termites are not a sudden phenomenon. Regardless of whether you are aware of their presence, they are still eating away at your home. This leaves the cost to remove termites and repair the damage generally uncovered by homeowners insurance.

At this point, you’re probably thinking, “Well, my home isn’t at risk.” Unfortunately, the reality is that subterranean termites are found in every state except Alaska and invade 5 million homes each year. These termites eat away at homes to cause $5 billion in property damage each year!

The reason termites are classified differently for homeowners insurance is because they are preventable. While you can’t prevent a tornado, you can prevent termites eating away at the wood in your home. If you suspect your home may be infested with termites, the first thing you should do is contact a professional to assess your home. A professional can determine how widespread and extensive the infestation is and the best way to fix it.

But, it’s important to remember that any level of infestation, no matter how small, should not be treated by you. While Google may tell you that do-it-yourself treatments are a quick fix, termite treatments should be left up to the professionals. DIY treatments often make it more difficult for termite professionals to install a solution down the road, as the area has been contaminated.

Insurance companies generally don’t sell termite coverage, but with the Sentricon® system, you get an annual inspection and peace of mind knowing your home is protected. It pays to be aware of the damage that termites can cause. Repairing damage caused by termites can be expensive and time-consuming, so it’s better to proactively protect your home from these invaders. Because your home is your sanctuary and biggest asset, don’t leave it vulnerable to costly termite damage!

Use our risk assessment tool to learn more about the threat on your home and find a Certified Sentricon Specialist™ to inspect your home today!