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The National Pest Management Association (NMPA) estimates that termites cause $5 billion in damage every year. But most homeowners policies do not cover all damage from termites, ants, raccoons, and mice. In some cases, however, indirect damage caused by critters may be covered. Let’s look at the following examples.
Preventive maintenance is an important step in keeping your home, likely your largest investment, free of pests and in tiptop shape.
Homeowners living in Florida and South Carolina must deal with plenty of pests. Proactive maintenance on your southeastern home is necessary to keep them from invading your home, perhaps causing extensive damage. Consider choosing a reliable pest control company that will monitor for pests and help prevent infestation. Your friends or neighbors may be able to recommend a high quality company. In addition, check with the BBB (Better Business Bureau) for local, reputable pest control companies in your area. Some companies provide warrantees against infestation or re-infestation. These warrantees may cover the cost of treatment only, or may pay for damages caused by pests.
As you can see, your homeowners policy will probably not cover direct physical damages caused by pests. However, you probably will have coverage for any indirect damage. Just where the dividing line is may be complicated.
Be sure to discuss these issues with your insurance agent. He or she can explain what your homeowners policy covers and where coverage may be limited.
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