Does insurance cover damages when a termite infestation occurs after a repair was done to the home?

Whether insurance covers damages caused by termite infestation after a repair depends on several factors such as the specific insurance policy, the extent of the damage, and the cause of the infestation. In general, most homeowners' insurance policies do not cover damage caused by termites, insects, or other pests. These types of damages are considered to be preventable with proper maintenance and care of the property. However, some policies may offer limited coverage for termite damage caused by a covered peril, such as a fallen tree or lightning strike. If a repair was done to the home before the termite infestation occurred, it is possible that the repair may have contributed to the problem. For example, if the repair involved wood that was not properly treated or sealed, it could have created a favorable environment for termites to infest. In such cases, the insurance company may deny the claim for the termite damage. To determine if insurance covers the damages caused by termite infestation after a repair, it is important to review the specific language in the insurance policy and speak with your insurance agent. You may also need to have an independent inspection of your home to determine the extent of the damage and the cause of the infestation. If the damage is covered, you will need to file a claim with your insurance company and provide documentation of the damage, such as photos and repair estimates. Your insurance company may send an adjuster to assess the damage and determine the amount of compensation you are entitled to. In any case, it is important to take proactive steps to prevent termite infestations, such as regular inspections and treatments by a licensed pest control professional, proper maintenance of the home, and prompt repairs to any damage that may be detected.