It is always important to know your home insurance policy well and be acquainted with the details to avoid being embarrassed when an incidence occurs in your home, and you are seeking to get compensation for the same.
Some big corporations and insurance firms do not care about their customers, and they always have some loopholes that can result in you not getting compensated. Unfortunately, these loopholes have left many people with damages that they cannot get compensation for which is a real nuisance for them. We are not trying to say that your home insurance policy is worthless or rather useless but we are just trying to say that you need to know the details of the cover.
Read The Fine Print
The question here is, does the insurance policy that you have for your home cover for damage that is caused by termites? Well, the answer can be yes or not. In the first place for you to be compensated for this kind of damage there must be a clause that is written down on the policy. Insurance policies will only compensate what they have covered. So, if the contract only says that they will pay if for fire then you cannot raise an issue with them if the matter is about a robbery. Yes, the insurance can cover the damage that is caused by termites, and this will depend on the agreement that you have with them. The good thing about insurance coverage for the homestead is that they can also cover for damage of goods due to the specific conditions of the area that you live in. It is also possible for the coverage to extend to structural damage to property due to natural and unnatural occurrences.
Know Your Time Frame
Termites are a very big subject of discussion when it comes to the insurance cover. The question that the insurance firms will ask is whether the termites existed there way before you came into that house. The insurer will not compensate you if the termites start feeding and destroying the foundation of your house if they say that they were there long way before you even built your house. This is a very frustrating position to find yourself. The insurance guy will read you the policy and inform you that it does not cover if the termites existed before you moved in. They can also tell you that your furniture had been infested way long before you took the policy and therefore you are not entitled to compensation.
If you are experiencing issues with termites call the experts at MTB Pest Control. We have the knowledge and expertise to help you get rid of this frustrating and home ruining pest. Call us at 301-613-6570 or fill out our contact form.