As a homeowner in North Ridgeville, OH, you know how important it is to protect your property from unexpected damage. But when it comes to pest infestations, the question of whether your home insurance policy will help can be tricky. At KLT Insurance, we want to help you understand what’s covered and what isn’t when pests invade your home.

What Types of Pest Damage Are Typically Excluded?

Most standard home insurance policies exclude damage caused by pests like termites, rodents, and insects. This is because pest infestations are considered preventable with proper maintenance and care. For example, termite damage to your home’s foundation or walls is usually not covered, as insurers view this as a maintenance issue rather than a sudden or accidental event.

When Can Pest-Related Damage Be Covered?

While pest damage is generally excluded, there are exceptions. If pests indirectly cause damage that results in a covered peril, your policy may step in. For instance, if rodents chew through electrical wiring and cause a fire, the fire damage would likely be covered under your home insurance policy. It’s important to review your policy carefully to understand these nuances.

How to Protect Your Home from Pests

• Schedule regular pest inspections to catch infestations early.
• Seal cracks and gaps in your home’s exterior to prevent entry.
• Keep your home clean and free of food debris that attracts pests.
• Address moisture issues promptly, as damp areas can attract termites and other pests.

At KLT Insurance, we’re here to help North Ridgeville homeowners navigate their coverage options and protect their homes. If you have questions about your policy or need advice on safeguarding your property, contact us today.