While it is mandatory that homeowners have some kind of insurance on their property, the fact of the matter is that this is a very valuable protection to have. You never know if the storm will cause severe damage to your home, or if some electrical wiring will go haywire and set your house on fire. These are the kinds of things that can quickly turn your dream home into an unbelievable nightmare, and so it is great to have that safety net to protect you and your property.
While homeowner’s insurance is fantastic, many wonder how far that protection will go. For example, if you had a rodent or a group of rodents that cause the damage to your home, they wonder if their insurance company would actually protect them and pay for the damage that the rodent had caused? The answer to that question is that it really depends on the insurance company, the type of coverage you have, and the type of damage that is done.
For example, if you have an issue with rats or mice getting into your home who have caused damage in the wall or have torn apart some of your insulation in the attic, it is quite unlikely that you are going to be protected. Very few, if any, insurance companies provide this kind of protection for your home. They expect homeowners to ensure that they protect their homes by hiring exterminators or taking the proper precautions to keep these animals out. Therefore, you will get very little assistance, if any, from your insurance company.
The same is true, for the most part, if you are dealing with a raccoon, possum, or group of squirrels who have gotten into your attic. This is another situation that is a lot more common than you may think, and so insurance companies are not receptive to the idea of cleaning up or paying for damage that is caused by these animals.
However, that is not always the case. For example, if you had a raccoon in your home that was proven to have some kind of serious illness, like rabies, then this can be a case where your homeowner’s insurance may cover the damage caused by this animal. It’s not that they’re worried about the actual damage that the animal caused, what are more worried about the potential health risk that your family faces from the waste of this animal. Rabies is incredibly dangerous, and if someone in your family were to contract this illness it is always deadly if not treated right away.
Another reason why your insurance company may pay is if the damage that is caused poses a serious risk to the house itself. For example, if electrical wiring has been damaged to the point that it poses a fire risk then you can be sure that your insurance company will take a look to see if you can get covered for this. They don’t want your house burning down, and that is what would happen if this is not treated right away.
Read more: Rat Control
, Get Rats Out of the Attic
, Rat Trapping
, Rats in the Ceiling
, Rat Feces