Will homeowners' insurance pay for rodent damage? (not usually)
Hearing unusual scratching sounds at night coming from your attic or basement? Noticing some fresh droppings and strong smell inside your home? These are bad signs that the rodents are about to takeover your home – well, not exactly takeover but invade your home and pretty much it means closely the same.
Rodent infestation can be a major headache for homeowners. These creatures grow in number quite easily and they are highly intelligent which means they are extremely challenging to completely eliminate. They are real health hazards as these rodents are known carriers of various serious diseases. And, on top of the diseases they can also carry ticks, lice, fleas and mites. Rodents can also cause significant damages to the property which will leave you dealing with costly repairs.
Rodents – The Most Expensive Tenants That You Can Have
Rats and mice have incisor teeth that can never seem to get enough of gnawing. They can easily chew on your electrical wirings, gas lines, wooden structures, PVC plumbing pipes and soft concretes. With the extent of damage that they can do, they can certainly burn a hole in your wallet for the repairs. But, if you have an insurance will that cover rodent damage?
Will homeowners insurance cover costly rodent damage? The answer is, not usually. Some home insurance may do but under specific circumstances. It highly depends on whether the situation qualifies based on what is written in the policy or agreement you have signed. More often, home insurance companies will not cover rodent damages for the reason that rodent infestations is considered to be due to the negligence of the homeowner. This is why it is very important to read and understand what are written in the policy first before signing up for a home insurance. Do not hesitate to ask or verify with your insurance agent in order to get a good grasp of what exactly are included or covered in your home insurance plan.
It is a good idea to shop around and compare first before settling on a deal with your home insurance. Although, you may seldom find one, you can try to look for an insurance plan that specifically offers coverage for rodents’ damages. Typically these types of plans are offered at a much higher rate or you may have them as an added feature or add-on.
Prevention is CHEAPER than Cure: Protect Your Home from the Rodents
To avoid dealing with the distress and expensive repairs caused by the rodents, the best thing you can do is to take preventative measures to protect your home against these destructive pests. Take time to inspect your home for weak spots or holes which can provide entrances for the rodents. Be mindful about cleanliness and sanitation. Rodents will get attracted towards your home when they can see potential food sources within the property. Hence, always secure your trash bins, clean any leftovers, pickup fallen fruits on the ground, and keep your pet food inside particularly at night. Remember, when it comes to rodent infestation, prevention is always cheaper than cure.
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