Will home owners Insurance pay for wild animal damage?
Everyone loves to watch creatures in their natural habitat. But when they invade your home it’s a completely different story. Squirrels, Raccoons, bats ,birds, snakes, skunks, bear, and rodents are just a few of the wild animals that can all cause extensive damage and create a multitude of problems for you and your family if they decide to move in to your home. Besides the obvious damage resulting from chewing or clawing their way in, the can destroy wiring, ruin plumbing and woodwork, not to mention the smell of urine and feces. They can carry pests such as lice, fleas, mites, and worms that pose a danger to your family, or pets and livestock. If you live in an urban area, chances are you have suffered some damage to your home from wild animals, and you know how costly they can be.
Did you know that you r homeowner’s insurance can help? Most homeowner policies will cover damage caused in a single event by almost any wild animal. Rodents, such as Rats and mice, because of their ability to exist anywhere, and their huge population, are NOT covered . You must file for damages caused in a specific identifiable event, not filing for long term damage that could have been prevented by you. Here are some example scenarios: You discover that you have rats in your attic and they have destroyed your insulation and some wiring. Are you covered? NO, Rats, like mice are rodents and NOT covered. Now, let’s change that scenario to raccoons. Did you take action the minute you heard the sounds on your roof and in your attic? Then you may be covered.
Did you ignore the noise thinking it might just go away until you realized that the electric in living room was out? Then NO you are probably not covered because you allowed it to continue over an extended period of time. Here’s another: You return home from vacation to discover a bear has broken in to your home and trashed your kitchen searching for food. There is extensive damage to your floors and cabinets, not to mention the smell from your refrigerator. Are you covered? YES, with almost all policies, this would be covered. You were not home, and this was a single act by a wild animal looking for food. To make sure you have this valuable clause in your policy, speak to you agent as soon as possible. To make sure you have this valuable clause in your policy, speak to your insurance agent as soon as possible.
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