In general, homeowners insurance does not cover carpenter ant damage in the USA. This is because carpenter ant damage is considered to be a maintenance issue, and homeowners insurance is typically only intended to cover unexpected events, such as fire, theft, and vandalism.
However, there are a few exceptions to this rule. For example, if carpenter ants cause damage to your home as a result of a covered event, such as a storm or fire, your homeowners insurance may cover the cost of repairs. Some homeowners insurance policies may offer optional coverage for carpenter ant damage.
If you are unsure whether or not your homeowners insurance covers carpenter ant damage, you should contact your insurance company to review your policy.
Carpenter ants are a common pest that can cause structural damage to homes by burrowing into wood. If you discover carpenter ants in your home, you may wonder if your homeowners insurance policy covers the damage they cause. Here is what you need to know about carpenter ant damage and homeowners insurance in the USA:
Carpenter ants are large ants that excavate wood to create galleries and tunnels for nesting. They do not eat wood like termites. However, their excavation can severely compromise structural integrity and allow water damage or rot. Common signs of an infestation include sawdust-like waste, hollowed wood, and ants entering and exiting through tiny holes.
Standard homeowners insurance policies typically cover sudden and accidental damage caused by carpenter ants. This means coverage would apply if carpenter ants unexpectedly infested your home and damaged the structure. However, gradual, long-term damage that went unnoticed for a period would likely not be covered.
If covered, homeowners insurance will pay for necessary repairs to stabilize and restore your home after carpenter ant damage. This can include structural repairs like replacing damaged framing, repairing holes in walls or floors, and treating infested areas. Cosmetic repairs like replacing damaged drywall may also be covered.
Most insurers do not cover the cost of carpenter ant extermination or ongoing preventative treatments. Some policies have a special deductible for insect damage claims. There may also be dollar limits on the amount that will be paid for damage involving carpenter ants or wood-boring insects. Damage that began before your policy term or that results from negligence may be excluded.
To make sure you are covered for carpenter ant damage:
There are a number of things you can do to prevent carpenter ant damage, including:
If you have carpenter ants, you should contact a pest control professional to treat the problem. Pest control professionals have the experience and expertise to safely and effectively eliminate carpenter ant infestations.
With a standard homeowners policy, costs to control carpenter ants before they cause damage are not covered. But if the ants do damage your home’s structure, the repairs are typically covered, subject to your policy terms. Ultimately, it is important to understand your specific policy’s coverages and exclusions for insect damage claims.