Is carpenter ant damage covered by homeowners insurance?

Damage to a structure from termites, ants and insects in general is not covered under the standard homeowner insurance policy. The underlying theory is that such damage is the result of infestation due to negligence on the part of the homeowner as the proximate cause of the occurrence. read more

Even if the home insurance covered ants, it would not necessarily be a claim that worked in your best interests. If you consider the cost of damages after you have paid the deductible on the claim, you find that it would only take a small amount more to complete the repairs. read more

President, Insurance Agent, Child Of God Insurance Services Inc., 5020 Clark Road, Ste 251, Sarasota, FL 34233 In 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. read more