Why is termite damage excluded from standard home insurance policies?

Termite damage is often excluded from standard home insurance policies due to several reasons. Firstly, termite infestations and the resulting damage are considered preventable through routine maintenance, inspections, and preventive measures. Insurance policies are designed to cover unforeseen and accidental perils, rather than issues that can be avoided through regular upkeep. Additionally, termite damage is typically a gradual process, and determining the exact timeframe and cause of the infestation can be challenging.