Termite Damage and Homeowner's Insurance — What You Need to Know

Standard homeowner's insurance treats termite damage as a preventable maintenance issue, not a covered peril. This is why proactive inspection and early treatment are so important — the cost of annual inspections and early treatment is small compared to uninsured structural repair costs.

Some policies include coverage for secondary damage caused by termite activity — for example, water damage from a plumbing leak that occurs in proximity to termite damage. Review your policy carefully with your agent.

Our written inspection reports document the extent of all termite damage with photographs, dates, and descriptions — exactly the format insurance companies and adjusters require if any related claims are filed.

For California real estate transactions, documented treatment history and written repair records are valuable for disclosure and can affect buyer negotiations. Keep all inspection reports, treatment invoices, warranty documents, and repair records in your home file.