1. owner/agent, Rooney Pipes Insurance Agency for the Horace Mann Insurance Companies, California
    A standard homeowner’s policy contains exclusions.  One of the “normal” exclusions is for damage to the building and/or the contents caused by birds, vermin, rodents, insects or domestic animals.  Carpenter ants are insects.  However, the policy will often pay for collapse of a building or a part of a building caused by hidden insect or vermin damage.  This isn’t talking about settling, or cracking.
    Answered on March 6, 2014
  2. 15 POINTS
    Ginger E. Young
    President, Insurance Agent, Child Of God Insurance Services Inc., 5020 Clark Road, Ste 251, Sarasota, FL 34233
    In the event that the carpenter ant was the culprit that caused water damage to occur (by means of  damaging dishwasher water lines, sprinklers, etc.), not otherwise excluded, coverage would be provided for the damage caused as a result of the water.  However, not to repair the appliance or system.
    Answered on March 7, 2014

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