Did you know insects like termites cause over $5 billion in structural damage yearly?

Even more important to note, though, is that your homeowner’s insurance policy does NOT cover most insect damage.  Most policies contain an exclusion that will not pay for damage caused by insects or rodents.  It will, however, most likely pay for any collateral damage associated with the infestation.

For example, if termites destroy a central pillar to your home’s frame and the roof caves in, the damage associated with the falling roof will likely be covered, but the damage to the home’s frame will not.

As insurance protection against infestation is limited, we have provided some information below on preventing insect damage to your home.

Infestation Prevention Tips

The following tips will help prevent an insect infestation in your home:

• Seal cracks and holes outside the home, including entry points for utilities and pipes.
• Keep tree branches and shrubbery well-trimmed and away from the house.
• Keep basements, attics, and crawl spaces well-ventilated and dry.
• Store garbage in sealed containers and dispose of it regularly.
• Repair fascia and rotted roof shingles; some insects are drawn to deteriorating wood.
• Replace weather-stripping and repair loose mortar around the basement foundation and windows.
• Store firewood 20 feet from the house and five inches off the ground.
• Have a qualified pest control company regularly inspect your home.