Anastasia Kaufman's Blog
When pests come into your home, there’s no creepier feeling that you may have as a homeowner. You may turn to your house insurance for assistance if the problem gets really bad. Let’s say that termites have taken over your home and gotten into your walls or foundation. Maybe mice have gotten into the walls of your home, or a squirrel has caused some major issues in the attic. Whatever the problem is, you want to remedy it quickly. It might be an expensive fix no matter what, but it has to be remedied for you to continue to live comfortably in your home.
The Truth About Homeowners Insurance
Unfortunately, homeowners insurance doesn't cover pest infestations. It doesn’t matter if the termites have literally eaten you out of house and home, the insurance companies consider pests to be an avoidable problem. Even though you may wonder how bugs can be considered “avoidable,” it’s simple. The insurance company believes that regular maintenance and checking of your property can help to prevent bug infestations. This is why it’s so important to take care of your property and not neglect it.
There are a few exceptions to the rule. If your ceiling caves in and it was caused by some of the pest damage, your insurance may cover the cost of the repairs to the ceiling. They may not cover the materials that are needed to repair the ceiling itself. Insurance claims can be tricky, so you’ll need to ask a lot of questions if these problems do occur for you.
What Homeowners Insurance Covers
There’s nothing more frustrating than paying an insurance premium to find out that it doesn’t actually cover anything that you need at a certain point and time. As a general rule, homeowners insurance policies cover things that are considered accidental. This would include natural disasters like hurricanes, hailstorms, or high winds. If a tree falls on your home due to a windstorm, there was really no way of preventing that from happening. Your insurance would cover this. Damage that happens over an extended period, like that of a pest infestation or an aging home generally is not covered by house insurance.
Some insurance companies do offer separate policies to cover damage from certain types of pests like termites. There are several varieties of insects that cause damage to wood structures, so these policies may be more general stating that they provide “wood destroying insect” coverage. If you live in an area that’s prone to termites, there’s a few options available to you including something called “termite bonds.”
Your best course of action as a homeowner is prevention. Keep up with regular maintenance around your home and inspect your home regularly for any problems that you may find.
435 Cowesett RD, Warwick RI, 02886
- Pyramidal arborvitae are most often used in neighborhoods. They are hardy, can be pruned and sheared, and need very little maintenance. They can be grown as screens and windbreaks, but as evergreens they do not provide multi-season interest. They relatively inexpensive and can be planted in any configuration.
- Rugosa and Hansen roses have been used in beach plantings but will adapt very well to living fences. They are both extremely low maintenance and can be trimmed from a maximum height of 6 feet. They flower most of the summer, product red hips in the fall as well as yellow and red foliage. In the winter they are a thorney tangle of cover for birds. Depending on the species or cultivar, they bloom red, pink, yellow or white.
- Fragrant shrub honeysuckle is also easily maintained to a maximum of 10 feet and provides yellow and white spring flowers, then summer red berries cherished by birds, and yellow and red fall foliage. Winter shows interesting branch structure.
- Privet hedges are old standby's but easily maintained and sheered to your liking. Small white flowers and occasional purple berries.
- Russia olive trees with their strong late spring aroma and slender gray foliage are also easily sheered to any height or just allowed to grow to 25 feet.
- Rose of Sharon bloom in late summer in shades of purple and blue and are easily maintained to any height or width desired.
435 Cowesett RD, Warwick RI, 02886