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Homeboy, Home Buyer in 30122

will homeowner insurance pay for termite damage ?

Asked by Homeboy, 30122 Sun Mar 25, 2012

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Damage from sudden and unexpected events typically is covered by homeowners insurance, termite damage is not. Since termite damage often can be prevented through proper maintenance, treatment and annual inspections, it cannot be classified as either sudden or unexpected. In fact, termites are active in every U.S. state, except Alaska. For these reasons, homeowners insurance typically covers neither termite treatment nor repair.
In some cases, termite damage may cause collateral damage in a home. For example, an extensive infestation could lead a ceiling or wall to collapse. If electronics are damaged as a result of the structural collapse, those items may be covered under a homeowners insurance policy. However, the damage to the home’s structure likely will not be covered.
1 vote Thank Flag Link Mon Mar 26, 2012
A homeowners policy specifically excludes coverage for termite damage.
Termite repair bonds cover damage from termites.

Sorry for the bad news...

Lloyd Pro Group | Nationwide Insurance
2980 Cobb Parkway Southeast #172, Atlanta, GA 30339
(404) 892-2864   (404) 892-2572 (Fax)‎
0 votes Thank Flag Link Mon Apr 30, 2012
You would have to contact your insurance company to see. Each carrier has different limitations on what damages they will cover. You need information specific to your actual policy.

Rodney Mason, NMLS #151088
Sr Loan Officer
Prospect Mortgage
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
Apply Online at http://www.rodneymason.com
Licensed in Alabama & Georgia

Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203K Renovation (Streamline & Consultant) | HomePath® | HomePath® Renovation | HomeStyle Renovation | VA | USDA | GA Dream | Jumbo Financing
0 votes Thank Flag Link Mon Mar 26, 2012
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