Many standard homeowners policies exclude termite damage because it is often considered a maintenance issue, but insurance terms vary. Do not assume coverage or exclusion without checking the actual policy.
Read your policy and exclusions
Look for language covering insects, pests, gradual damage, maintenance and resulting damage. Ask the insurer to explain how the clauses apply to your situation.
Document the condition
Take dated photographs, keep inspection reports and treatment invoices, and document any related water leak or building issue.
Prevent additional damage
Arrange a professional inspection and address the source of the problem. If you believe a covered event is involved, contact your insurer promptly and follow its claims process.
When to call a professional
If signs recur, wood appears damaged, or you are unsure which insect you have found, arrange an inspection with a properly licensed Florida pest management company. Do not rely on a single photo or a home remedy to determine whether a structural infestation has been resolved.
For official Florida information, see the FDACS termite resource.