Is Carpenter Ant Damage Covered By Homeowners Insurance? 
A standard homeowners policy contains exclusions . One of the normal exclusions is for damage to the building and/or the contents caused by birds , vermin , rodents , insects or domestic animals . Carpenter ants are insects . However , the policy will often pay for collapse of a building or a part of a building caused by hidden insect or vermin damage . This isnt talking about settling , or cracking . 