Will homeowners insurance cover termite damage?

NOTE: Coverage varies by policy, so it is very important to review your specific policy.

Termite damage is usually considered a maintenance issue, not a sudden accident. Because termite infestations happen gradually over time, most homeowners’ insurance policies DO NOT cover this type of damage. In rare cases, coverage may apply if a covered event directly causes termite damage. 

Termite damage is usually not covered if:

• The infestation develops over time
• Moisture issues attract termites
• Preventive maintenance hasn’t been kept up

Termite damage may be covered if:

• A covered storm exposes the home and leads to termite damage
• A covered water event speeds up or worsens termite damage

Tips to help prevent termite damage:

• Schedule yearly pest inspections
• Manage moisture around the foundation
• Keep gutters and drainage systems clear
• Store firewood away from the home