Are pests covered under homeowners insurance?

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Are certain noises at night keeping you awake? Mice are known for making noises often heard at night time. With the winter season approaching and much cooler temperatures, four legged creatures like mice are moving indoors to avoid the winter weather. When rodents move inside they have a plan to nest, forage for food, spread disease, cause damage by chewing wires, timbers among causing a nuisance to homeowners.

Are pests covered under homeowners insurance? Unfortunately, most insures will not cover homeowners for damage caused by pests. Most insures will not cover vermin damage, consequent damage such as fire or floor caused by vermin chewing through a pipe or wire, can be protected. However, after the damage is done you will still have to hire a pest control service to resolve the rodent issue in the home or pest problem in the home. Additionally, there could be costs of repairing structural damage, electrical or plumbing issues or replacing damaged furniture, clothing or textiles.

A lot of home owners believe that pest damage is included in their house insurance plan; in fact, as stated by the National Association of Insurance Commissioners (NAIC), it is estimated that about a third of home owners in the United States believe this.

Insurance companies regard infestations as a home-maintenance issue. For example, an annual termite inspection and treatment would head off an infestation that could lead to damage, so it falls upon the homeowner to take care of it. There are a few situations in which a homeowners policy will cover damage involving animals. For instance, if an animal caused a fire in your house, the damage would be covered.

Under standard homeowners policies, the collapse of a home is covered if hidden insect or vermin damage caused it, explains David Thompson of the Florida Association of Insurance Agents. "Hidden" means the homeowner can't see the damage.

For example, the damage resulting from a collapse is covered, but the actual damage done by the insects or vermin is not. For example, say termites eat a support beam under a home and the home collapses. The cost to replace the beam is $2,000. The damage to walls, floors, and roof trusses is about $25,000. The $2,000 beam is not covered, but the other damage is covered, Thompson says.

Although many pests are active all year round and each season brings different pests, regular pest control service should be something all Clifton Park homeowners should have. In the springs, the Albany area battles carpenter ants, in the summer on top of ants there are stinging insects. Fall time welcomes rodents and over wintering insects and winter continues with rodents. Thomas Pest Service’s services are similar to an insurance policy. Regular inspections identify conducive conditions prone to insects and rodents along with looking for other pests like termites that cause damage. At any time if you have a concern or issue in between your regular service, we return at no charge. That is great peace of mind!

Thomas Pest Services is a local, family owned pest management company serving Chatham, East Greenbush, Latham, Albany, Clifton Park, Schenectady, Edinburgh, Malta, Queensbury and surrounding towns. Thomas Pest Services is license and certified in pest control to effectively solve your bug or rodent issue. Protect your health, home, family and property with against pest, contact us via phone at 1-877-518-2847, via web inquiry, Facebook or Twitter!


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