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FAQs: Does Homeowners Insurance Cover Termite Damage?

Termites have survived since the time of dinosaurs and are known as “silent destroyers” because of their ability to obliterate wood, cloth, carpet, and paper indiscriminately and without detection. Each year, termites cause more than $5 billion in property damage. This is accomplished as entire colonies eat the infested material nonstop, 24 hours a day, seven days a week.

With that being said, we know you’ve got questions about termites and homeowners insurance . . . and we’ve got answers!

How Do I Know If I Have Termites?

While it can be difficult to see damage caused by termites as it is usually “hidden” inside the wood, there are a few key signs that point to a major infestation:

  • Cracks and tunnels in wooden panels and beams

  • Swollen floors and ceilings

  • Odors or droppings

Are There Any Home Remedies for Termites?

If your termite infestation is minor, you may be able to use home remedies for termites to eradicate a new colony. Try the following steps:

  • Treat the soil around your home with diluted liquid termiticide.

  • Treat any infested wood outside and inside your home with diluted liquid termiticide.

  • Install baits in the ground to attract termites and reduce foraging.

Some people swear by these non-toxic home remedies for termites as well:

  • Orange oil

  • Diatomaceous earth

  • Neem oil

  • Borax

When Should I Call a Professional Exterminator?

Since it’s often impossible to get rid of a full-blown termite infestation entirely on your own, hiring a pro to inspect and exterminate could be your best bet when it comes to protecting your home from major structural damage.

How Can I Protect My Home From Termites?

There lots of things you can do to help protect your home from termites. Make sure to take the following preventative steps:

  • Regularly ventilate humid rooms and basements.

  • Divert water away from your home’s foundation and avoid moisture accumulation.

  • Pull out vegetation that is growing around any outdoor vents.

  • Remove roots and tree stumps that are around and/or beneath your home.

  • Maintain an 18-inch distance between the soil and the wood portions of your home.

  • Place metal or plastic barriers around any potential problem areas.

Does Homeowners Insurance Cover Termite Damage?

Typically, most homeowners insurance won’t cover any damage to your home caused by termites. However, if you get a good, comprehensive policy in place or select the proper add-on coverage, repairs may be covered.

For more information about homeowners insurance, what it covers, and how to make sure you have a good policy, check out Insurance Center Associates!