Termites cause as much as $5 billion in property damage annually. Unfortunately, insect damage, even one from termites is not covered by standard homeowner’s insurance policies. This is because unlike storms, infestation of these creatures is considered preventable. However, there are instances where you can get compensated for it.
Find out when homeowner’s insurance covers for damage caused by termites from a leading general contractor.
When Your Home Suddenly Collapses
A sudden collapse of your home caused by hidden insect damage, you would be covered. But first, you need to meet certain conditions. Your home needs to have disintegrated into pieces. This doesn’t include cracking, expansion, sagging, bulging, and bowing. You should also be unaware that termites were there before your home collapsed. If you knew they exist and didn’t do anything to get rid of them, your insurer will likely drop your claim.
You’re Covered for the Cause of Infestation
Moisture is usually what attracts termites into homes. If excessive moisture is a result of water damage from a pipe leak, you may be covered. Internal leaks are included in standard homeowner’s policies and if termite damage came as a result of it, you can file for a claim to cover for it.
It’s also applicable for damage related to fire, tornadoes, and wind that can cause a change in your home’s structure and attract insects. You may need to hire an inspector to prove that there is a direct link between the damage and the termite infestation. Moreover, you should immediately file a claim if your home has been affected by a weather event. Delaying the process can be seen as neglect, causing your insurer to reject your claim.
Turn to Castle Construction for quality insect and termite damage repair services. We can also help with your home addition and kitchen remodeling project. Give us a call at (301) 674-5580 or fill out our contact form to schedule an appointment.