If your a Pest exterminator by trade then you may look to a Commercial General Liability policy that will offer you liability coverage for the work or service you perform on premises and completed operations coverage for after the job is done.Pest ExclusionsUnder Section I - Exclusions of your policy, it will explain that there is no coverage for damage due to rats, mice, termites, moths, or other insects (language varies by state), but there IS coverage for ensuing loss due to collapse of the building or any part of the building. Exterminators LiabilityThe only liability for damage due to termites would be found in a warranty policy from a pest-treatment company who has a contract to treat your home at regular intervals and guarantees their work.
There is a coverage on most homeowners policies that is called "Pysical Damage to Property of Others". So, since you neighbor caused physical damage to your property, this would be the logical place to start. If this is not available, then the Liability coverage [portion of his policy would cover the damage.
Your home insurance property coverage portion of your policy would not provide coverage for property of another. However, If you are found liable for damage to your neighbors property your liability coverage would invoke. Most homeowners Insurance policies come as a package with some level of Liability Insurance unless you purchased stand alone property only coverage.
Domestic animals are not covered under the homeowners policy. As it pertains to a liability situation, a dog would be considered 'property' and the homeowners "damage to property of others" provision in the liability section of the policy applies but only if you were the one who injured the dog, usually with a limit such as $500.
Homeowners need insurance protection in the event of damage to their property. That's basically what homeowners insurance offers: financial protection in case disaster strikes. In the US, basic coverage (also called "Form 1", or "H1") will insure your house against damage from fire and lightening. If you want more protection you'll need to purchase broader coverage.Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
The answer depends not on what state the damage occurred in, but what kind of coverage you have. If it is your car, damage from an animal is covered under "comprehensive" coverage. Look at the declarations page of your policy to see if you have this. For homeowners insurance, usually damage from larger animals, like raccoons is covered, but smaller animals, like rodents, termites, etc are not covered.
No a work trailer would not be covered by your homeowners insurance. Anything used in a business is not covered under your homeowners insurance. A trailer to be attached to a vehicle would be covered for liability extended from whatever it is attached to but physical damage for the trailer itself would have to be purchased on a separate policy or a commercial fleet policy.
Although there are many different kinds of termites, there are a few structural termites that can cause large amounts of damage. Here in Hawaii we have Formosan ground termites as well as West Indian Drywood termites. Ground termites need the moisture from the ground to survive and can usually be identified in a home by either mud tunnels coming up from the ground, or damage with mud in the destroyed wood. Dry wood termites produce small, sand like droppings that they kick out of a hole in the wood the are infesting. There are some pictures of ground termite tubes and dry wood damage on this site. http://www.kilaueapest.com/termites
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