Termite damage repair cost calculator
Checked 14 October 2026: HomeGuide puts termite damage repair at $300 to $2,000 for minor cosmetic damage and $5,000 to $15,000 or more for major structural repairs. Standard homeowners insurance usually pays none of it.
Minor
$300-$2,000
HomeGuide
Moderate
$2,000-$5,000
HomeGuide
Major
$5,000-$15,000+
HomeGuide
Before you get quotes
Repair workflow
- 01Treat the termites first
- 02Get the treatment report in writing
- 03Sort the damage: cosmetic or structural
- 04Structural engineer for any load-bearing member
- 05Compare contractor quotes item by item
A cost guide. We are not a pest control company or a contractor.
Section B / Estimator
Estimate your termite damage repair
No email, no zip-code gate. Enter what is damaged; the estimate multiplies HomeGuide's published repair rates by your quantities.
Repair Worksheet
Termite Damage Repair Cost Calculator
Patching holes in drywall
Replacing an entire wall of drywall
Wall area to repaint
Siding area to replace
Wood framing to repair
Subfloor repairs (HomeGuide: per repair, top open-ended)
Sagging floor repairs
Support beams to replace
Repair Estimate
$400-$900
Inside HomeGuide's minor band
- Drywall repair, patching holes
- $200-$400
- Wall repainting
- $200-$500
Treat first. Repairing before the termites are dealt with risks paying for the repair twice. Price the treatment.
Rates are HomeGuide's national averages (page updated 21 Nov 2025, read 14 Oct 2026). The engineer inspection is added when you enter a structural item; totals are our arithmetic, and a contractor doing several items at once may quote below the sum.
Section C / By extent of damage
Repair cost by how bad the damage is
| Damage | Cost |
|---|---|
| MinorDrywall repair, painting, other cosmetic repairs | $300-$2,000 |
| ModerateFraming repair, subfloor repair, replacing one support beam | $2,000-$5,000 |
| MajorReplacing floors, load-bearing walls, multiple support beams | $5,000-$15,000+ |
Other publishers, named and not averaged:
- HomeAdvisor: $600-$3,000, structural wood repair after treatment.
- HomeAdvisor: up to $6,000, replacing load-bearing beams or walls.
- This Old House: above $10,000, severe infestation, treatment plus repairs.
Section D / By repair
What each repair costs
HomeGuide's table of the repairs termite damage most often needs. These are the rates the calculator uses.
| Repair | HomeGuide |
|---|---|
| Drywall repair, patching holes | $200-$400 |
| Drywall, replacing an entire wall | $500-$2,500/wall |
| Wall repainting | $2-$5/sq ft |
| Siding replacement | $4-$13/sq ft |
| Wood framing repair | $11-$30/lin ft |
| Subfloor repair | $500-$2,000+ |
| Sagging floor repair | $2,000-$7,000 |
| Replacing rotting beams | $2,000-$5,000/beam |
| Structural engineer inspection | $350-$900 |
| Contractor minimum fee | $100-$200+ |
Section E / Insurance
The standard ISO homeowners form (HO 00 03, the HO-3) does not insure loss caused by “birds, rodents or insects”, and insurers treat termite damage as a maintenance issue. Most carriers write on that form or on wording modelled on it; some use their own forms, so check the exclusions in yours. We know of no standard endorsement that adds general termite cover.
The form has two narrow exceptions. Its Collapse additional coverage pays for an abrupt collapse caused by insect damage that was hidden from view, unless you knew about it beforehand; a sagging floor that has not caved in does not qualify. And an ensuing loss the policy otherwise covers may be paid: if termites chew through electrical wiring and start a fire, the fire damage itself may be covered, while the termite damage that led to it is not. Source: ISO HO 00 03 05 11 (Maine Bureau of Insurance copy), checked 13 October 2026.
Does insurance cover termite damage? ->Termite bonds and repairs
A termite contract, or bond, is the product that can pay for repairs, but only if it says so. Some pay for retreatment only; others add repairs, up to whatever limit the contract states. HomeGuide puts the yearly renewal at $150 to $500 a year. Read the repair clause before you rely on it.
Termite bond cost and what it covers ->Section F / Method
How we priced this
- Tiers and repair rates: HomeGuide, termite damage repair cost (page updated 21 November 2025), national averages, read 14 October 2026. Shown as HomeGuide states them.
- Other figures: HomeAdvisor and This Old House, the same records as the termite treatment cost page.
- Calculator totals are our arithmetic: your quantities times HomeGuide's low and high rates, plus its engineer inspection when a structural item is entered, with its contractor minimum as a floor. No regional adjustment: no source publishes one.
- Full methodology.
Section G / FAQ
Termite damage repair questions
How much does termite damage repair cost?+
HomeGuide puts minor repairs (drywall, painting, other cosmetic work) at $300 to $2,000, moderate repairs (framing, subfloor, one support beam) at $2,000 to $5,000, and major structural repairs at $5,000 to $15,000 or more. HomeAdvisor gives $600 to $3,000 for structural wood repair after treatment and up to $6,000 to replace load-bearing beams or walls; This Old House says repairs can push a severe case above $10,000. Checked 14 October 2026.
Does homeowners insurance cover termite damage repair?+
Usually not. The standard ISO homeowners form (HO-3) does not insure loss caused by insects, so ordinary termite damage repair falls on the owner; most carriers use that form or wording modelled on it. It has two narrow exceptions: an abrupt collapse caused by insect damage hidden from view that you did not know about, and an ensuing loss the policy otherwise covers, such as a fire caused by termites chewing through wiring.
How much does it cost to replace a support beam damaged by termites?+
HomeGuide puts replacing rotting beams at $2,000 to $5,000 per beam, a structural engineer's inspection at $350 to $900, and wood framing repair at $11 to $30 per linear foot. A sagging floor repair runs $2,000 to $7,000 on the same page.
How much does it cost to fix termite damage in drywall?+
HomeGuide gives $200 to $400 to patch holes and $500 to $2,500 per wall to replace an entire wall, plus $2 to $5 per sq ft to repaint. It notes most contractors charge a minimum of $100 to $200 or more.
How can I tell whether termite damage is cosmetic or structural?+
HomeGuide's split: cosmetic damage affects only appearance (small holes in drywall or trim, damaged paint or wallpaper, minor wood surface scarring, superficial floor damage); structural damage compromises the home's integrity (load-bearing walls or beams, floor joists or subfloors, foundation elements, roof supports or trusses). Where a load-bearing member is involved, a structural engineer's inspection sets the repair scope.
Should I treat termites or repair the damage first?+
Treat first, then repair. New wood put back while the colony is still feeding can be damaged again. Ask the pest control company to confirm the treatment is done, and keep its report for the contractor.
Section H / Where to next
Related cost pages
Open file
Termite treatment cost
Price the treatment first: every method, the calculator and why published prices disagree.
Open file
Does insurance cover termite damage?
The HO-3 wording and the two narrow exceptions.
Open file
Termite bond cost
Renewal fees, and retreatment-only vs repair contracts.
Open file
Termite inspection cost
What an inspection costs and what the report shows.
Open file
How to get termite quotes
What to ask before you sign.
Open file
Signs of termites
Mud tubes, frass, swarmers and hollow wood.
A cost guide, not pest control, engineering or insurance advice. Get load-bearing repairs scoped by a structural engineer.