I have termite damage. Is it covered?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: May 10, 2010
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
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!
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.