Does Homeowners Insurance Cover Termite Damage?
Short answer
Standard homeowners insurance usually does not cover termite damage, since it is treated as a maintenance issue. Check your policy and talk to your insurer, because terms vary.
Why it is usually excluded
Termite damage develops slowly over time and is considered preventable with inspection and treatment.
What helps
- Annual inspections
- Fixing moisture problems
- Keeping wood and mulch away from the foundation
- Treating promptly when signs appear
Buying or selling
A wood destroying insect inspection gives both parties information about the condition of the home.
What this means in Omaha
In Omaha and Bellevue, termite inspections are a common part of home sales, since eastern Nebraska has subterranean termites.
Frequently Asked Questions
Does a termite bond change coverage?
Some treatment plans include repair terms. Ask your provider to explain what is included and what is not.
Who can answer my insurance question?
Your insurance agent or the policy documents.
Who do I call for this in Omaha?
Call 402-242-5544, open 6:00 AM to Midnight CT every day. We cover Omaha and nearby towns.