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Covered termite damage | Property Insurance Law Team Blog



With Florida’s summer heat in full force, I’m forced to walk my dog ​​through forest trails. A common sight on these walks are trees that are completely eroded by termites. This made me think, what happens when termites do a number on older frame houses?

Insect damage is usually exempt from insurance coverage as below.

We insure against the risk of direct damage to property described
in coverage A and B only if the loss is one
physical loss of property. However, we do not insure
for loss:

2. Caused by:

(7) Birds, vermin, rodents or insects; . . .

But sometimes insect damage is not open and obvious. This hidden damage can result in a sudden collapse of a building. In this scenario, insect damage can be covered. An example of collapse coverage for this scenario can be seen below.

8. Collapse. We insure for direct physical loss to
covered property that involves the collapse of a building or
any part of a building that is only caused by one or more
of the following:

c. Concealed insect or vermin damage;

An urgent question homeowners may have is: How do I know when I have termites or termite damage? Common signs of termite damage can be the following:

  1. Discolored or hanging plasterboard
  2. Exciting wood
  3. Wood that sounds hollow when knocked
  4. Swollen floors that seem to suffer from minor water damage.

If you identify any damage as above, contact a professional to treat your home for termites. In addition, not all insurances are the same, if you have damage to your home contact Merlin Law Group and one of our lawyers can advise you on the coverage of your insurance.


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