Imagine a scenario where a pair of raccoons has caused chaos in your attic, or a group of rats has infiltrated your home in Wayzata, MN, gnawing on the beams of supporting walls and compromising the structural integrity. Your home has suffered significant damage, but will your homeowner’s insurance cover it? The agents at Pizano Insurance can help you understand what animal-related risks your policy may cover.
Typical Policies Do Not Cover Pest Damage
Generally, homeowners’ insurance policies do not cover damage caused by rats, insects, and other pests. This is because pest damage is considered a maintenance issue and is, therefore, preventable. However, there may be exceptions. For instance, the resulting damage would likely be covered if rats chew through electrical wiring and cause a fire.
While damage from pests and animals that invade your home is typically not covered, if a wild animal causes damage to your main structure or any outlying buildings, that risk will most likely be covered. Potential hazards include a deer crashing through a window or a bear entering your garage, knocking things over, and damaging items. In this case, the damage must have occurred suddenly. Note that some policies may not cover damage to personal items in these instances.
Proactive Measures to Protect Your Home
Proactive home maintenance is the best defense against damage from pests and animals. Although your homeowner’s policy won’t cover exterminator treatments, the cost of regular appointments is significantly less than the potential cost of damages. Similarly, sealing entry points and securing doors and outbuildings can significantly reduce the likelihood of wild animals causing problems.
The agents at Pizano Insurance, serving residents of Wayzata, MN, can guide you on how to protect your home through insurance best. Contact our office to get started on a policy.
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