Home Owners insurance provides protection to your home in case of loss due to perils except those specifically excluded in the homeowner’s insurance policy. Huh, okay let me explain, a home owners insurance policy will list what causes of damage will be cover under the policy terms. For example fire is a peril that is covered under your homeowners insurance. There are many perils that are covered under current home owners insurance policies; windstorm, vandalism, smoke damage and theft just to name a few.
There are two major situations that may occur that can cause extreme damage to you home that will not be covered under your homeowner’s insurance policy. They are flood and structural damage to your home due to pest. Both come with there own solution, which are very different from one another. To protect your home against flood damage all you need to do is purchase a separate policy that protects against flood. There is no such policy you can purchase from an insurance company to protect you against damage due to pests.
The two most common culprits of structural damage from pest to homes are termites and carpenter ants. Both literally eat your home. They will start with your seal board that separates the foundation of your home and the main structure. Once they start eating that they will proceed to eat the interior walls of your home. This can cause your home to collapse if not rectified in a timely manner.
The best solution to help protect against structural damage due to pests is to regularly monitor the framework of your home and check for signs of infestation. This is easily noticeable if beams in your basement or crawl space are viewable. You will notice what looks like tracks in the wood. If you press a pencil against the wood, the wood will seem like a putty. If you are unsure the best solution is to receive a free pest control inspection from a local extermination company. In the spring you may also notice swarms of termites that are flying around.
The reason insurance companies don’t protect against structural damage due to pest is because the damage isn’t caused from a single catastrophic event such as a fire or windstorm. There view is that pest damage is a sign of neglect on the homeowner over a long period of time.
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