Does Homeowners Insurance Cover Termite Damage?

Termite damage is usually not covered by homeowners insurance, even though it covers a wide range of events. Why? Because most termite infestations can be avoided with regular maintenance — and maintenance is homeowners' responsibility. So, if you have termite damage, such as a weakened foundation or ceiling, your home insurance won't cover the expenses associated with repairing or replacing the damage.

When termites are present, your home insurance may be able to cover some of the damage. For example, if termites chewed through the wiring in your home and caused a fire, you'll usually be covered because home insurance policies cover fire damage.

Your insurance agent is there to assist and help you understand home insurance. If you want to know what isn't covered by your homeowner's insurance policy, ask for the details.

What Are the Symptoms of Termite Infestation?

Before you know what to look for in terms of termite damage, you must first understand what you're dealing with. Three types of termites are usually discovered in homes, and each affects a different part of the structure.

Subterranean termites are most common in humid areas, such as the southeast United States, and are typically found underground in basements. Dampwood termites prefer wet wood, whereas dry wood termites prefer dry wood and are commonly found in wood, walls, and furniture.

Some signs of termite damage are more obvious than others, but familiarize yourself with the following to catch an infestation before it spreads:

Termite tunnels: Termite tunnels are commonly found near your home's foundation. The tunnels resemble muddy tubes that are frequently arranged in a vine pattern on your floors or walls.

Hollow-sounding wood: Termites frequently cause damage that is not visible from the outside. Tap on the wood in your home to hear a hollow sound.

Sagging floors: If your floor is buckling or sagging, termites may be present. Keep in mind that some damage may appear to be caused by water but is actually caused by termites.

Holes and cracks: Termites are also responsible for small holes in wood and walls, as well as cracks in panels and beams. Examine them out before they become a bigger issue!

Termites have wings and are a pale yellow color, similar to an ant. They have two sets of identical wings that can be found in areas where they've been.

Repairing Termite Damage

If you discover signs of termite damage in your house, contact a pest control professional right away. They will be able to determine the extent of the infestation and eradicate the pesky termites.

Keep in mind that homeowners are responsible for repairing any damage caused by the infestation. Furthermore, because you are responsible for the maintenance and upkeep of your home, your home insurance will not cover the damage caused by termites.

How to Keep Termites at Bay

Many termite species are drawn to warm, moist environments with plenty of wood to eat.

The most important way to avoid termite damage is to detect any signs of infestation as soon as possible.

• Some methods of prevention include:
• Removing or reducing all moisture from your home
• Restoring rotten wood and shingles
• Inspecting your home on a regular basis for signs of damage or water damage
• Keeping firewood a safe distance from your home

Consider Enlisting an Insurance Lawyer to Make Your Insurance Claim

Sadly, insurance companies pay hundreds of millions of dollars each year for favorable laws and rulings from judges. In that regard, property insurance companies are not in the business of paying valid insurance claims. My extensive experience only helps consumers hire an experienced lawyer before making an insurance claim.

Enlisting a highly skilled lawyer early generally provides the following benefits:

• You don't have to speak with the insurance company,

• The insurance company will have a more difficult time trying to trick you into saying the wrong thing,

• The lawyer will review the policy and file a notice of claim that complies with local laws,

• The lawyer will obtain experts to generate reports to support your claim,

• The lawyer may engage the services of meteorologists to prove weather patterns were ample to cause storm damage to your home.

• The lawyer may obtain the assistance of an estimator to generate an evaluation of your loss.

• The lawyer may enlist the services of a contents expert to generate reports on the value of your personal property.

• The lawyer can hire an insurance agent to create a report verifying that the policy covered the type of loss claimed.

• The attorney could hire an engineer to review the causation of your loss.

Don't Make Assumptions.

Experts decide many insurance claims. Don't assume whether you know if something is covered or not. Although some instances involving are covered by insurance, there are various factors why the insurance company might try to get out of paying you. It is essential to realize that the insurance provider could try to convince you that the cost of fixing the damages is less than the deductible. Don't let the insurance provider take a free ride in rejecting your legitimate claim. Get an experienced home insurance attorney to help. Let the attorney evaluate through experts whether a claim is covered or not.

Get An Acceptable Insurance Policy.

One of the most critical roles of an insurance attorney is to advise their clients of the insurance carriers inclined to keep their promises. That's why we made this list.

If your insurance carrier is on this list, please review the score. If it is failing, we recommend you contact your insurance agent and consider switching companies.

We recommend buying insurance from one of the following market carriers:

• Allied Trust
• Universal North America
• American National Lloyds

The insurance industry in the united states makes brilliant trillion dollars annually from rates, according to studies. Sure, that may be a lot of greenbacks. We have compiled a listing of the worst property coverage companies in Texas, with the aid of inspecting lots of information about these groups consisting of courtroom documents, facts, and interviews from insurance personnel.

If you've had property damage, and your insurance carrier is not adequately paying your claim, you need to recognize that they may be now not to your side. They use demonstrated strategies to get you to accept a tiny fraction of what you want to recover financially from your insurance policy. We combat these companies each day, and we win. Our clients can relax knowing we're dealing with each detail of their claim and are aggressively pursuing the compensation they deserve. Call us for free to discover if you have a case.

YOU CAN OBTAIN A HIGHLY SKILLED INSURANCE LAWYER

If your insurance company has refused to honor your policy despite having a valid claim, you can recover damages based on "bad faith." At Dick Law Firm, PLLC, we are committed to fighting for the total compensation you deserve. When you retain our services, we fight to protect your rights as a policyholder.

Hiring a highly skilled property insurance attorney will help by:

• Significantly increases the value of your claim
• Learning all of the ins and outs of your policy
• Helping you navigate the claims process and negotiations
• Validating the cause and extent of the damage
• Informing you if a claim denial is valid
• Notifying you of all relevant insurance laws

If you have been mistreated or wronged by your insurance company, you can count on us to do everything possible to rectify the situation. We aim to resolve a claim as efficiently and effectively as possible.

Please speak with our team at 833-7RIGHTS today! Consultations are FREE.