Homeowners insurance generally does not cover pest control, extermination, or the damage caused by common pests like termites, rodents, or bed bugs. Insurers classify pest infestations as preventable, routine home maintenance.
Exterminators widely agree that bed bugs are the hardest pest to get rid of. Their ability to hitchhike, resilience against over-the-counter pesticides, and talent for hiding in microscopic crevices make DIY eradication nearly impossible.
But is pest control covered by homeowner's insurance? It may be possible to find coverage for collateral damage caused by insects and other pests, but generally homeowners insurance coverage for pest control is not available.
Topics to Avoid When Speaking to a Home Insurance Adjuster
Steps for Handling a Pesticide Spill. If a pesticide spill occurs, follow the three C's: 1) Control, 2) Contain, 3) Clean Up.
Exterminators most commonly use diatomaceous earth or insecticidal dusts (like Deltamethrin) to treat cracks, crevices, and wall voids. These powders are applied to control pests like ants, roaches, and bed bugs.
Clemson University scientists reported that 'Termites hate smells of cedarwood, geranium, and tea tree oil. It has also been found that clove bud, cinnamon, and garlic oils can also repel termites.
The insurance company that denies the most claims depends heavily on the type of insurance you are referring to:
How to Intimidate the Insurance Adjuster
The 80% rule in homeowners insurance dictates that your dwelling coverage must equal at least 80% of your home’s total replacement cost. Meeting this threshold ensures your insurance company covers the full cost of repairs (minus your deductible) for a covered loss.
The "worst" pest depends on what you value most. Termites are the worst for your wallet due to structural damage, while bed bugs and German cockroaches are the worst for your peace of mind and health due to rapid reproduction and disease risk.
Mice cause damage to structures through gnawing and nest-building. In livestock confinement facilities and similar structures, they quickly can cause extensive damage to insulation inside walls and attics. Such damage also occurs in homes, apartments, and commercial buildings.
The only methods that guarantee a 100% kill rate for both bed bugs and their eggs are extreme heat and professional multi-step pest control treatments.
The Top 10 Most Common Household Pests and How to Identify Them
The mayfly is the most famous insect known for an adult lifespan of just 24 hours (with some species lasting only a few minutes or hours). As adults, they have no functional mouthparts and do not eat; their sole purpose in this short window is to swarm, mate, and lay eggs.
But there are a few ways to tell the difference. Pattern: Bed bug bites may appear in a linear pattern, as a series of multiple bites in a row or a zigzag. Flea bites often show up in clusters of three (sometimes also in a straight line).
One hidden truth is that insurance companies often aim to minimize their payouts. Adjusters may downplay the extent of the damage, offer lowball settlements, or employ various tactics to delay the claim settlement process.
Common Reasons for Claim Denials
Police Reports. First, an insurance company will request to see any police reports associated with your accident.
Some key phrases to avoid saying to an insurance adjuster include:
Popular Insurance Companies with the Most Complaints
State Farm is the #1 insurance company in the U.S. overall by market share and direct premiums written. However, the top ranking depends on the specific category of insurance you are looking for.
Among all predators, ants are the greatest enemy to termites. Some ant genera are specialist predators of termites. For example, Megaponera is a strictly termite-eating (termitophagous) genus that perform raiding activities, some lasting several hours.
Here are the top five signs of termite infestation to look out for in your home.
The fastest way to kill visible termites instantly in your house is to directly inject termiticide foams (like Termidor Foam or Spectracide Termite Killing Foam) directly into infested wood, cracks, or mud tubes. For long-term colony eradication, non-repellent liquid soil treatments are required.