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Most standard homeowners' insurance policies do not cover termite damage repairs because insurers consider these issues preventable through regular maintenance. Insurance often excludes damage from pests, rot, and gradual deterioration. Some companies offer specialized coverage options or riders, but you'll need to review your policy details carefully. Many homeowners opt for termite bonds or service contracts as alternative protection methods.

The timeline for termite damage repairs varies with project scope. Minor cosmetic fixes require only one to two days for completion. Most medium-sized repairs to non-structural elements take three to five days. Major structural repairs involving support beams or extensive flooring can extend to one to two weeks or longer. Factors affecting the timeline include damage extent, material availability, and whether additional issues like moisture problems need addressing simultaneously.

Purchasing a home with termite damage can be viable if the issues are clearly identified, properly assessed, and factored into negotiations. A comprehensive professional inspection is essential to determine repair costs and confirm termite elimination. Minor damage with appropriate price adjustments may represent a good value opportunity. However, extensive structural damage or sellers unwilling to address active infestations should raise serious concerns about the investment's wisdom.

Common termite damage indicators include hollow-sounding wood when tapped, maze-like patterns within wooden structures, buckling paint or wallpaper, sagging floors, and visible mud tubes along foundations or walls. You might also notice discarded wings near doors or windows, small pinholes in drywall, or crumbling wood. Professional inspection is recommended to confirm suspicions, as many termite damage signs resemble other issues like water damage or everyday wear.