Termites maybe covered by insurance?

We just found termites in one of our bedrooms yesterday and the we thought about contacting our insurance ocmpany. We tried reading through our policy and it was didn't seem to say whether or not this was covered (those things are so hard to understand). We called the insurance company and asked if this was... show more We just found termites in one of our bedrooms yesterday and the we thought about contacting our insurance ocmpany. We tried reading through our policy and it was didn't seem to say whether or not this was covered (those things are so hard to understand). We called the insurance company and asked if this was covered. They said that they would have to come out and look into the damage and then they would tell us if it was covered or not. What is that all about?? So, can they come and see that it is too bad and say "oh, no sorry....we don't cover that". They explained that they see how long it has been going on and determine it from there and see if it has been going on a long time and whether we should have known about it. Of course we didn't know about it! We just found it while we were making repairs to a windowsill. Is it basically our word againsts theirs? Does any of that make sense?