If termites have damaged your house, it is natural to wonder whether homeowners insurance will pay for the repairs. Usually, the answer is no. Most homeowners insurance policies treat termite infestations as a maintenance problem that develops gradually rather than a sudden, accidental loss. That generally leaves the homeowner responsible for both termite treatment and repairs to wood, flooring, walls, framing and other parts of the house. There are, however, some important exceptions. A homeowners policy may cover a separate loss caused by termite damage—such as a fire—and some policies contain limited collapse coverage for hidden insect damage. Those exceptions More…