Is Termite Damage Covered by the Homeowners Insurance?
No. As the risk of termite attack and damage is so high, insurance companies exclude it from home and contents insurance. The same applies with commercial premise insurance.
Are Steel Frames or Treated Timber Homes Termite Proof?
Steel roof homes are not termite proof. Other areas of the home are still vulnerable to termite damage. For example timber floors, kitchen and bathroom cabinets. Any material containing cellulose is vulnerable including furniture, books and paper and packing cases. They can even damage electrical wiring and foam insulation.