Is Carpenter Ant Damage Covered By Homeowners Insurance?
- 37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaA 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, 2014flag this answer
- 0 POINTSview profileGinger E. YoungPresident, Insurance Agent, Child Of God Insurance Services Inc., 5020 Clark Road, Ste 251, Sarasota, FL 34233In 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, 2014flag this answer
Did you find these answers helpful?
Yes
No
Go!
Add Your Answer To This Question
You must be logged in to add your answer.