Contact: (217) 355 9075 - Address: 702 Bloomington Road. Suite 205. Champaign, IL 61822 - Email: dave@insuringchampaign.com

Is Termite Damage Covered on My Home Insurance Policy?

Is Termite Damage Covered on My Home Insurance Policy?

 

termite damage

Termites can be a big problem in Illinois, but can your home insurance help you if have termite damage?

Every year termites cause and estimated $5 billion in property damage according to The National Pest Management Association. And even though these little monsters can cause significant damage to your home this type of loss is typically not covered on your home insurance.  Most homeowners insurance policies in Illinois only cover sudden and accidental damage, they're not designed to cover damage from termites or other pest infestations that are preventable through regular home maintenance and upkeep. 

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Signs of Termite Infestation

Periodic home inspections are also key, and may help uncover an infestation in its early stages. The EPA offers suggestions on how to diagnose a potential termite problem:

  • Look for termite tunnels, called mud tubes, which are made of mud, excreted wood and other debris (the termites will appear as creamy white insects, the EPA says). Look for them around the foundation or other areas around your home where there is exposed wood.

 

  • Look for signs of decay or damage on wood surfaces, both inside and out. Use a hammer to tap the wood (listening for a "hollow" sound) or use a flathead screwdriver to gently probe the wood and expose any cavities, which, according to the EPA, might indicate an infestation.

Some people mistakenly identify termites as flying ants, but the EPA says there are two distinct differences between the two. While ant antennae are bent at a 90-degree angle, termite antenna are straight; and while the front wings of ants are larger than the hind wings, termites have wings that are equal in size. If you suspect termites, the EPA suggests contacting a state-licensed pest professional.

 

There are several options for Pest Control in the Champaign Urbana area, but I don't have experience with any of the options so I can't recommend one service over the other. I would suggest looking for Yelp! and Google+ reviews to find a company that might be a good fit. I would suggest all homeowners have their property inspected every few years. 

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Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois.

702 Bloomington Rd#205
    Champaign, Illnois
(217) 355-9075
dave@insuringchampaign.com

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