It’s not just bed bugs that likely won’t be covered by your homeowners insurance. Replacement of items you have to get rid of This means you’ll be responsible for the cost of: From there, it can take one to two months to go from the nymph stage to become an adult bed bug that can mate.Īn infestation starts slowly so it doesn’t qualify as sudden and accidental damage.
Also, it takes time to go from a bed bug or two to an infestation. The concept is that a home that’s being properly cleaned and maintained would not lead to an infestation. In many policies, it would be excluded as preventable damage. Taking care of bed bugs and other insects are considered part of home maintenance. When you find bed bugs in your home, you might wonder if a bed bug infestation is covered by your homeowners insurance. While they don’t pose a serious medical threat, you do want to get rid of them as quickly as possible and then take precautions to prevent them from returning. You might also see smears or stains on your sheets that appear dark brown or black. As they grow, you might notice they shed their skin that will appear as small flakes. They feed solely on the blood of people and animals. You might notice burning or itching red welts on your skin from bed bug bites. If you’ve got these nasty little bugs in your house, you’ve got trouble. Just thinking about bed bugs can make your skin crawl.
