Termite, ant, and pest control services are among the most common reasons to call an exterminator. These services cover a wide range of pests, both inside and out. Home insurance typically does not cover these services, as they are considered preventive in nature.
However, if you have a specific clause in your policy that covers pest control, or if the damage caused by the pests is severe enough to be considered a loss, then your home insurance may help pay for the cost of extermination.
What is Pest Control?
Pest control is the process of using various methods to deter or eliminate pests from a home or business. Pests can include insects, rodents, and other animals that can pose a health risk, damage property, or simply be a nuisance. There are many different pest control methods available, and the best method to use will depend on the type of pest and the severity of the infestation. Some common pest control methods include traps, poison baits, and sprays.
Types of Pests
There are many different types of pests that can invade your home, and each one requires a different method of control. Some common household pests include ants, cockroaches, flies, mosquitoes, rats, and termites.
Ants are one of the most common household pests. They enter homes in search of food and moisture and can be difficult to control once they’ve established a colony. Cockroaches are another common pest that can be hard to get rid of. They can carry diseases and contaminate food, so it’s important to call a professional if you think you have a problem.
Flies are attracted to garbage and other sources of food waste. They can also spread diseases, so it’s important to keep your kitchen clean and free of food debris. Mosquitoes breed in standing water, so eliminating stagnant water sources from your property is the best way to prevent an infestation.
Rats are rodents that can carry diseases and contaminate food. They often enter homes through holes or cracks in the foundation or walls. If you think you have a rat problem, it’s important to call a professional for help because it can be difficult to control on your own.
Termites are insects that eat wood and can cause serious damage to your home if left unchecked. They often go undetected until the damage is already done, so it’s important to have your home inspected regularly for signs of an infestation.
Home Insurance Coverage for Pest Control
Home insurance typically covers damage caused by pests like rodents and insects, but coverage for pest control services is generally excluded. To be safe, check with your insurer to see if they offer any coverage for pest control services. If not, you may want to consider purchasing a separate policy or rider to cover these costs.
Conclusion
In short, home insurance does not cover pest control. This is because pest control is considered to be a maintenance issue and not an insurable event. If you want to protect your home from pests, you will need to purchase a separate policy or rider from a reputable pest control company.
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