Will Homeowner’s Insurance Cover Bee Removal?
Is Bee Hive Removal Covered By Insurance?
Honeybees, and any bees for that matter, are classified as an insect infestation by insurance companies. A homeowner’s insurance policy does not cover bee removal and any associated repair costs because bees and insects create damage over time rather than causing immediate loss. The insurance industry believes that if a honeybee infestation is large enough to warrant a claim, it should have been dealt with and prevented much sooner. As a result, insurance often does not cover the cost of bee removal or repairs. This is similar to homeowner’s insurance refusing to pay for damage caused by fleas, ants, or termites.
Everyone’s coverage is different and if you’re dealing with a bee infestation, contact your insurance provider to see what is covered.
Will Homeowners Insurance Cover Bee Damage?
Most homeowner’s insurance policies don’t cover the cost of bee damage repair. Bee (insect) damage is not covered because it occurs over time rather than a one-time loss. If the damage is significant enough to warrant a claim, it should have been treated sooner and is considered preventable.
It is preferable to pay the upfront cost of bee removal rather than risk incurring significant repair costs later. Honeybee damage can sometimes be so extensive that it renders your property uninsurable until it is repaired.
How To Check What Is Covered By Your Insurance?
The most accurate information will come directly from your insurance provider. Every policy differs in coverage, and it’s suggested to give your provider a call to find out what your coverage entails.