At Cary-Wheeler & Associates Inc., we frequently receive questions about what home insurance in Richmond, VA, includes, especially regarding pest coverage. Let’s explore this subject to ensure your home is adequately protected.
Understanding Home Insurance Coverage
Home insurance is designed to shield you from unexpected incidents such as fires, storms, and theft. However, the subject of pest damage can make things a bit complex. Standard home insurance policies typically do not cover damage instigated by pests such as termites, rodents, or insects. The reason is that pest infestations are generally considered preventable with proper home maintenance.
Why Pest Damage Isn’t Covered
Insurance companies perceive pest damage as a maintenance issue. This places the responsibility of preventative measures to protect homes from infestations on homeowners. Regular inspections and timely pest control treatments are essential. Regrettably, if these preventive steps are overlooked and pests cause damage, your home insurance policy probably won’t pay the repair bill.
Exceptions to the Rule
While standard policies exclude pest damage, there are exceptions. For example, if a pest infestation results in a covered peril, such as a fire caused by rodents gnawing through electrical wires, your policy might cover the subsequent damage. It’s essential to examine the specifics of your policy and discuss any uncertainties with your insurance agent.
Protecting Your Home
One way to safeguard your home is to invest in regular pest control services. Keeping a clean, well-ventilated home can also help ward off pests. Sealing potential entry points is a simple yet effective way of preventing infestations.
At Cary-Wheeler & Associates Inc., we are here to help you understand your policy and ensure your home is adequately protected. Don’t hesitate to contact us if you have any questions or require assistance with your home insurance coverage in Richmond, VA.