Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 10, 2010

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Insurance Question from Albany, NY

Asked on 05/10/2010

I have termite damage. Is it covered? NULL

Answer given on May 23, 2010

I’m sorry to hear about your termite damage, and I hope it’s not too severe.  Insurance is designed to protect you against sudden, unexpected loss.  Unfortunately pest damage would be considered a maintenance issue and therfore not covered by your policy.  The view by the insurance company is that pest damage is something that could be avoided with consistent pest control.  Now if your pesky termites have made a constant meal out of say a support structure that  causes your toilet to fall through the floor, along with the sink and bathtub, you may be able to make the argument that that was an unexpected and sudden loss.  Your insurance company will probably replace the toilet, sink and bathtub, but not the expense to repair the initial damage done by the pesky termites. Good luck getting rid of those termites!


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