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Does your home insurance cover termites?

My contractor was replacing some flooring and found evidence of termites in the floor joists. Will homeowners insurance cover damage from termites?

avatar
Bellina Gaskey · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s unlikely that your insurance will cover damage done by termites. This is because termite damage occurs over time. Watching for signs of termites—and addressing the issue—is considered standard home maintenance. In other words, termite damage is avoidable.
In the future, keep a lookout for these signs of termite damage:
  • Small insect tunnels near your foundation
  • Tiny holes in wood
  • Irregular floor boards
If severe enough, termite damage can compromise the structure of your house. Make sure to have an exterminator perform a thorough inspection and take care of the infestation as soon as possible.
If you’re wondering what else your home insurance covers, or are interested in learning about [car insurance]](
https://getjerry.com/car-insurance
), let
Jerry’s
 friendly agents answer all your questions and provide advice on the best coverage options.
Here’s to hoping your house will soon be termite-free!
MORE: Are termites covered by insurance?
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