Is Termite Damage Covered by Your Homeowner’s Policy?

Termites are some of the most destructive pests to threaten your home. They are non-stop eating machines. They will chew through the wood and other cellulose in your home’s beams, floors, walls, and ceilings all day, every day until there is nothing left to eat. Your house can literally collapse from damage caused by termite infestation. And, in some cases, you may not even know the termites are there until the damage is obvious – including your house actually collapsing.

Is termite damage covered by your homeowner’s policy

No sweat, though! That’s why you have homeowner’s insurance, right?

What Homeowner’s Insurance Covers

What homeowners insurance covers

Homeowner’s insurance is designed to protect your home against loss, paying for repairs when it is damaged. However, most policies only cover loss in the case of sudden or unexpected damage. While you may not have known that your house had termites and the damage is considered unexpected to you, your insurance company likely does not consider it unexpected and does not cover it. In fact, many insurance companies specifically exclude termite damage from their Chandler homeowner’s policies.

As a homeowner, you are expected to invest in routine maintenance and care for your home. That includes getting regular pest inspections, including a specific termite inspection. You should also be getting regular treatments to keep these pests out of your home. If you get termites, it almost always means that you have neglected your maintenance duties.

Possible Exceptions

What homeowner’s insurance covers

There are a few cases in which damage as a result of termites might be covered by your homeowner’s policy, depending on the specifics of the policy.

For example, if your home is damaged by a hurricane or other big storm, you might get a lot of water and rot that attracts termites or that allows them inside. Your insurance policy might cover the cost of removing the termites and any additional damage that they cause in the time following the storm. Just don’t think that you’ll be able to pass off previous termite damage as caused by the storm! The experts will be able to assess the relative amount of time the termites have been present by how much damage has been caused.

In some cases, your insurance policy may cover damages if your home completely collapses as a result of termite damage. The policy won’t cover damage to a few beams or even a whole floor, but if the whole house comes crashing down, you may be covered. That’s an extreme scenario that you shouldn’t wish for, but you may take some comfort in knowing that you might have comfort if the situation comes to pass.

Expert Chandler Exterminators at Varsity Termite & Pest Control

Finally, you may be covered for loss of some items if they are damaged from termite infestation in in Chandler, AZ. For example, if a beam falls down and breaks your computer, you may be covered for a new computer, but not for repairs to the beam.

The best way to know exactly what coverage you have and in what situations is to talk with your homeowner’s insurance company to get the specifics. If you don’t have termite coverage – which you almost certainly don’t – you can discuss the possibility of a special policy that does cover it. If your company doesn’t offer it, other companies do.

Protecting Your Home

Protecting your home

The best course of treatment for termites is prevention in Chandler Arizona. It is important that you schedule a yearly termite inspection for your home, as well as routine termite treatment to prevent infestation. How frequently you need an inspection or treatment will depend on your home and location, but you may need to schedule a visit every three months, six months, or a year.

Varsity Termite and Pest Control performs termite inspections and termite control in Arizona, primarily in the Phoenix area. Our technicians can find termites even in the earliest stages of infestation. By detecting the termites early, we can come up with a termite treatment plan that will eradicate them and prevent new infestations from occurring. We develop a termite control plan that will minimize your risk of termite infestation and will quickly eradicate any pests that do take up residence. Our team is also skilled at detecting and eradicating other pests that are common in Arizona, including scorpions, ants, roof rats, and cockroaches. Call us today to schedule an inspection!

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Varsity Termite and Pest Control

West Valley Location:

4122 W Fallen Leaf Lane
Glendale, AZ 85310

Office: 602-264-3648

East Valley Location:

6056 E Baseline Rd #122
Mesa, AZ 85206

Office: 602-757-8252

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  • Guy that came out for my termite problem was very knowledgeable, explained everything thoroughly and did a great job. Would definitely recommend them to others for termite control in the Mesa area.

    -Terry J. in Mesa, AZ
  • 5 star workmanship and customer service. I haven’t had termites in years since first calling Varsity for my termite inspection and treatment. Their termite prevention package has made my life worry free!

    -Elizabeth L. in Gilbert, AZ
  • Tony called me within 5 minutes of my hitting the submit button for a scorpion quote. I never heard from the other two competitors. The job was done the next day and he even directed me to the $100 discount coupon. The scorpions are gone and my kids are safe again. I will be calling Varsity again and telling my friends about them.

    -Britney R. in Chandler, AZ
  • Great experience.

    -Monica S. in Mesa, AZ
  • I wanted a family owned business and got one, I was very pleased everyone was so pleasant and friendly. I plan on signing up for more service.

    -Theresa C. in Mesa, AZ
  • Tony was great and worked with my hectic schedule. So far I haven’t seen any creepy crawlers!

    -Kayla D. in Queen Creek, AZ
  • Varsity responded quickly and took care of the problem. I now have them set up to come once a month at a reasonable price. There were lots of dead bugs, including scorpions, which showed me that their treatments are very effective.

    -Jodi M. in Gilbert, AZ
  • Arrived on time, high quality, quick, and efficient work done by them. Very customer friendly, professional, and very honest and informative. Price was great. I would recommend them to anyone.

    -Sarah R. in Apache Junction, AZ
  • Called back within minutes of my request , set up an inspection asap, price was fair, showed up right on time did the work even having to move some shelving I failed to have ready, also moved them back when done. Work was done as said and cleaned up everything when done, the individual doing the work was prompt, professional and very courteous. I highly recommend Varsity and as I am entering into flipping houses they will be the Pest Control people on my team.

    -ST. in Apache Junction, AZ
  • He is very straight forward, very honest, very business like. He really tries to make the customer happy.

    -Frank B.
  • I wanted to let you know that yesterday’s service with Robert and Jared was better than expected! They were obviously well-trained and knew their jobs very well. The work was quick, efficient and thorough with virtually no disruption to my day. Your inspection of my property and their treatment was top notch and I look forward to referring Varsity to all who are looking for professional and trustworthy service.

    -Judy R.
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