Homeowners Insurance and Preventable Pest Damage
Preventable pest damage plays a significant role in whether or not pest damage is covered by your homeowners insurance. This is the fundamental position that your insurance company takes when denying coverage. Preventable damage is damage that takes pre-emptive actions or repairing damage that occur over time. For instance, cracks in the foundation getting wider as the house settles, carpenter ants nesting in wet or moldy siding, and squirrels chewing through soffit material and nesting in the attic. So, your insurer assumes that you can see the hazard of pest damage in advance and get it fixed. Check your policy details to confirm what the exceptions are.
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