Here at Blevins Insurance Agency, we are pleased to provide home insurance in the greater Lafayette, IN area. One of the questions that we have seen repeatedly asked by homeowners is whether home insurance will cover damage that is caused by pests. If pests have damaged your home, you may be looking for the answer to this question.
Will Your Home Insurance Policy Cover Damage Caused By Pests?
Preventable Pest Damage
If your home was damaged by what is deemed to be preventable pest damage, the damage will not be covered. Preventable pest damage is essentially damage done by pests that could have been prevented if you had had regular pest control services and taken action to keep the pests out. As such, damage caused by pests such as termites or rodents typically is not covered by your home insurance policy.
Unpreventable Pest Damage
If your home or the surrounding structures were covered by unpreventable pest damage, then your home insurance policy will cover the damage. Unpreventable pest damage is usually done by large pests or wild animals that you have no control over. For example, if a deer runs into your fence and breaks your fence or if a bear destroys the siding on your home, that would be covered under unpreventable pest damage.
Reach Out To Us
Your home insurance will cover damage to your home or other covered structures, such as fences, sheds, and garages if the damage was caused by what is deemed to be unpreventable pest damage. Having the right insurance is key to ensuring you are fully covered if the unexpected happens. If you are in the market for a new insurance policy, reach out to Blevins Insurance Agency, serving the greater Lafayette, IN area, to get started.