Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
Damage by insects and vermin are excluded on a homeowners insurance policy. Of course this would include your ant problem not to mention termites and rodents. Damage that may have been caused by these nuisances happen over a period of time and do not fall under the sudden and accidental definition Time to call the exterminator.
Damage to a structure from termites, ants and insects in general is not covered under the standard homeowner insurance policy. The underlying theory is that such damage is the result of infestation due to negligence on the part of the homeowner as the proximate cause of the occurrence.
The homeowner is obligated to inspect for such damage and remedy the situation accordingly. Homeowner insurance covers structural damage that is sudden and accidental in nature. Infestation does not fit these criteria.
Check with a qualified (recommended) and fully licensed pest control operation in your area. You may be able to purchase a policy or bond that would cover you for certain types of infestation after they have inspected and possibly treated your residence structure. We are talking about structural damages here. There could be coverage for damages that might occur from a roof collapse, for example, resulting from the infestation, that causes loss to other property within the dwelling. However, the infestation damage itself is not covered.
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The homeowner is obligated to inspect for such damage and remedy the situation accordingly. Homeowner insurance covers structural damage that is sudden and accidental in nature. Infestation does not fit these criteria.
Check with a qualified (recommended) and fully licensed pest control operation in your area. You may be able to purchase a policy or bond that would cover you for certain types of infestation after they have inspected and possibly treated your residence structure. We are talking about structural damages here. There could be coverage for damages that might occur from a roof collapse, for example, resulting from the infestation, that causes loss to other property within the dwelling. However, the infestation damage itself is not covered.