Is Carpenter Ant Damage Covered By Homeowners Insurance?

Is Carpenter Ant Damage Covered By Homeowners Insurance? Carpenter ant damage is not typically covered by homeowners insurance. However, if the ants are determined to be a result of a covered peril, such as a windstorm, then the damage may be covered.

How quickly do carpenter ants cause damage? Carpenter ants can cause serious and costly damage to a home or other structure relatively quickly. They prefer moist, rotting wood for their nests, so they can often be found in areas where there is moisture damage. Once they have established a colony in a structure, the ants can quickly chew through wood to create galleries and tunnels. This can lead to problems such as structural weakness, water damage, and even insect infestations.

Do carpenter ants do as much damage as termites? Termites are more destructive to wooden structures than carpenter ants. Carpenter ants, while they can do damage, do not eat wood the way termites do. Termites consume the cellulose in wood, leaving a honeycomb-like pattern of destruction. Carpenter ants merely bore into the wood to create galleries in which to nest.

How quickly do carpenter ants multiply? Carpenter ants can multiply quickly, with a new generation of ants emerging every few months.


Frequently Asked Questions

How Long Does It Take For Carpenter Ants To Build A Colony?

Carpenter ants build their nests by excavating galleries in wood. A colony typically starts with a single queen and a few workers. The queen lays eggs, and the workers care for the young and build the nest. It takes about six months for a colony to become fully established.

How Do You Know If You Have Carpenter Ants Damage?

There are a few ways to tell if you have carpenter ants damage. One is if you see small piles of sawdust near the entrance of an opening where the ants are coming in and out. Another is if you see large numbers of ants inside or outside your home. If you see either of these things, it’s likely that you have carpenter ants and should call a pest control professional.

Does The Carpenter Ant Eat Wood Like A Termite Does?

The carpenter ant does not eat wood like a termite does. Carpenter ants tunnel through wood to make their nests, but they do not eat the wood. Termites actually eat the wood, and they use their saliva to break down the cellulose in the wood so they can digest it.

How Many Carpenter Ants Are In A Nest?

A colony of carpenter ants can have anywhere from a few hundred to several thousand workers.

Should I Be Worried If I See One Carpenter Ant?

There is no need to be worried about seeing one carpenter ant. However, if you see more than one carpenter ant, then you may want to investigate further to determine if there is an infestation.

How Do You Know If You Have A Carpenter Ant Infestation?

If you see ants crawling around your windowsills, walls, or ceilings, it is likely that you have a carpenter ant infestation. You can also check for sawdust-like droppings near wood beams and doors. If you suspect that you have an infestation, contact a pest control professional to identify the type of ant and recommend the best treatment.


Damage caused by carpenter ants is generally not covered by homeowners insurance policies. While most policies do not specifically exclude carpenter ant damage, it is generally not considered a covered peril. This is because carpenter ants are not typically considered to be a pest that causes damage to property, but rather one that infests it.

Is Carpenter Ant Damage Covered By Homeowners Insurance?

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