Does Homeowners Insurance Cover Bee Removal?

Honeybees, even though they do great things for the environment, may cause a lot of harm in a short amount of time to your home. You could end up paying hundreds of dollars in repairs if bees are not eradicated or relocated immediately. So, who do you reach out to? Will homeowner’s insurance cover the cost to remove the bees?

The majority of homeowner’s insurance policies do not cover the cost of bee eradication or the cost of the damage bees cause. A bee infestation is considered a maintenance issue rather than a one-time problem. Because of this, homeowners insurance typically does not accept claims for bee removal or any damage that the bees cause.

Having a bee issue can be frustrating but also dangerous if you’re allergic to them. In this article, we will talk about the ins and outs of homeowners’ instances as it relates to bee removal and what you can do to solve the issue on your own.

It is uncommon that honeybees will cause thousands of dollars in damage to a person’s property since most homeowners will have honeybees removed quickly to prevent any further property damage.

Honeybees, and any bees for that matter, are classified as an insect infestation by insurance carriers. Bee removal and any accompanying repair costs are not covered by a homeowner’s insurance policy. This is because bees and other insects cause damage over time rather than causing immediate loss.

The insurance industry believes that if a honeybee infestation is severe enough to justify an insurance claim, it should have been treated and prevented far sooner. As a result, insurance does not cover the expense of bee removal or the cost of repairs. This is similar to homeowner’s insurance refusing to pay for damage caused by fleas, ants, or termites.

Your property may become uninsurable if the bee infestation is ignored unchecked for too long. This has only happened a few times to those who had major property and structural damage. Insurance firms have sent non-renewal notices. Until the infestation is eliminated and all repairs are performed, the property is considered uninsurable.

Swarm removal is the most straightforward and cost-effective method of beehive relocation. The larger the bee’s nest, especially if it’s inside walls and attics or high up, the more expensive it is to remove.

Furthermore, the cost of beehive removal usually does not cover any necessary repairs. Some beehive removal firms, on the other hand, do provide repair services.

Important note: If you want honeybees relocated, do not spray them. The bees cannot be relocated once they have been treated.

Late afternoon is the finest time to get rid of bees from a hive because all of the bees are back in the hive. Rather than killing bees, it is preferable to seek the help of a beekeeper. Killing bees should only be used as a last option.

Make sure you wear long-sleeved, protective gear that covers your entire body. The insecticide should be applied through the hive’s aperture. Make sure you read the directions before using the insecticide and that you follow them exactly. Remove the hive and throw it in a large garbage bag once you’re certain the bees in it are dead.

Secure the bag and discard it properly. If you believe that dealing with the problem is too dangerous or complex, get a professional who can do the job safely.

Carpenter Bee boreholes should be sealed as soon as possible. Insect, vermin, and bee damage are typically not covered by homeowner policies. Carpenter bee activity can wreak havoc on wooden structures, including your home, and jeopardize the structural integrity.

If you notice damage from carpenter bees, you can set traps to catch them and keep them from boring any more holes into your home, shed, fence, and more. There are also bee sprays that you can get to deter the carpenter bees from the wood on your property.

Unfortunately, the expense of destroying a wasps’ nest is usually not covered by homeowner’s insurance, so you’ll have to pay for it yourself, which will cost between $100 and $1300. This also applies to any damage caused by the existence of the nest to the roof or other elements of the house. Basic insurance policies do not cover such repairs (although it is worth double-checking).

When it comes to wasps, you should never attempt to remove their nests on your own. Wasps can sting you more than once because their stinger stays intact after the first jab. This also means that they are able to inject you with venom more than once, which raises the risk of a reaction.

Now, if you had an accident and you were stung by multiple wasps, multiple times, this would send anyone to the hospital. Therefore, if you’re dealing with wasps, it’s better to call a professional.