Does Homeowners Insurance Cover Termite Damage? 

Serving Orange, Seminole, Lake, & Volusia Counties

Does Homeowners Insurance Cover Termite Damage in Florida | Forest Pest Control

Discovering termite damage in your home can be a homeowner’s worst nightmare. Not only can these tiny pests wreak havoc on your property, but the financial burden of repairs can also be overwhelming. Unfortunately, most homeowners insurance policies don’t cover termite damage—but, that doesn’t mean you always have to foot the bill. Here’s what homeowners should know about paying for termite damage. 

Cost of Termite Damage

Termites are estimated to cause homeowners around $5 billion in repairs each year. The costs associated with termite damage extend far beyond mere cosmetic repairs, as termites can compromise the structural integrity of a home by feeding on wood, insulation, and even plaster. 

In severe cases, termite infestations can lead to the collapse of floors, ceilings, and walls, resulting in significant safety hazards and astronomical repair bills. Since termites also go undetected for long periods of time, these problems aren’t usually caught until the damage is extensive.

Why is Termite Damage Not Covered by Homeowners Insurance?

Homeowners insurance usually doesn’t cover termite damage because it’s seen as something preventable, not a sudden accident. Insurance is there for unexpected events like fires or storms, not ongoing issues like termites slowly damaging a home. Since preventing termite damage is considered part of regular home maintenance, insurance companies typically don’t include it in their coverage.

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How to Pay for Termite Damage

While homeowners insurance may not cover termite damage, some pest control companies offer termite control plans that come with repair guarantees. Not only will expert assistance reduce your risk of an infestation, but they’ll treat it and pay for repairs on your behalf. Forest Pest Control’s Ter-Mighty plan does exactly that; with a $500,000 damage repair and retreat guarantee, you won’t have to worry about the costly damage of handling a termite infestation. 

Do You Have Termites?

At the end of the day, the best way to avoid the stress of a termite infestation is to keep an eye out for signs of an infestation and work with a pest control professional. If you notice any of these signs, you may have termites and should contact an exterminator:

  • Mud tubes, especially along baseboards
  • Discarded wings or dead insects
  • Squishy walls or flooring
  • Swarming insects outdoors

Dealing with a termite infestation can be a daunting task, and attempting to address it without professional assistance can lead to ineffective treatments and further damage to your property. Experts know how to determine the extent of your infestation and can help you build a treatment plan that will eliminate the pests before they can cause more damage. 

Termite Control in Central Florida

At Forest Pest Control, we understand the financial burden that termite damage can place on homeowners in Florida, which is why we’re proud to offer our Ter-Mighty Guarantee! Our team has 33 years of experience serving the Central Florida area, so we know how to keep pests out of your space. And, with $500,000 damage protection plan, you won’t have to worry about footing the bill if you uncover damage after a treatment. 

From thorough termite inspections to targeted treatments and proactive prevention strategies, we are committed to safeguarding your home and your wallet. Don’t let termites drain your finances – contact Forest Pest Control today for a free termite inspection and tailored pest management plan designed to protect your home and your budget.



  1. Termites cause more damage each year than fires, floods and hurricanes combined.
  2. Termites are very active here in Florida.
  3. Termite damage is not covered by your homeowner’s insurance.



You’ll enjoy peace of mind knowing your home is protected by Forest’s “Ter-Mighty” Protection Plan. It includes a $500,000 damage repair and retreat guarantee. Now, that’s “ter-mighty” good!
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Does Homeowners Insurance Cover Termite Damage?  in Central Florida

Serving Orange, Lake, Seminole, and Volusia Counties

Orlando | Windermere | Dr. Phillips | Winter Park | Longwood | Lake Mary | Winter Springs | Oviedo | Altamonte Springs | Apopka | DeBary

DeLand | Orange City | Celebration | Kissimmee | Heathrow | Sanford | Winter Garden | Clermont | Ocoee | Leesburg | Sorrento

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