Attic restoration involves various repairs and improvements to make the attic more functional, energy-efficient, and appealing. Homeowner’s insurance typically covers damages to the home’s structure caused by a covered peril, such as fire, windstorms, hail, or other specified events, such as a rodent infestation. Bats specifically pose a unique threat to your property because they can cause extensive damage to your home and health. The potential for rabies and Histoplasmosis poses significant liability concerns for homeowner’s insurance companies. Preventing various animal infestations through regular maintenance is challenging, as each case varies. For this reason, your homeowner’s insurance may provide coverage.

The insurance policy may cover the restoration or repairs necessary to restore it to its pre-damage condition. Most homeowner’s insurance policies generally do not cover the expenses of regular maintenance or voluntary attic restoration for non-insurable reasons, such as adding living space or increasing the home’s value.

Insurance claim form getting ready to be filled out

Your homeowner’s insurance policy may provide specific coverage limits for certain types of damage. In contrast, certain perils might be excluded from the policy. As such, reviewing your insurance policy carefully, understanding its coverage limits and exclusions, and considering any additional coverage you may need for specific situations is crucial. Some insurance policies offer optional endorsements or other coverage that could provide limited coverage for specific home improvements, including attic restoration. As insurance policies can vary significantly between different providers and regions, it is imperative to carefully review the terms and conditions of your policy or speak with your insurance agent to understand the extent of your coverage and if there are any options available for attic restoration or improvements. 

In many instances, you will qualify for coverage despite the initial answer you may receive over the phone. Homeowner’s insurance can provide coverage for damages caused by wild animals under certain circumstances. The coverage for such instances would fall under the dwelling protection and other structures coverage in a standard homeowners insurance policy.

1. Dwelling Protections: If a wild animal, like a raccoon, gains access to your attic and causes damage to the structure of your home, the repairs or restoration costs may be covered under the dwelling protection. This coverage typically applies to damages caused by covered perils, which may include wild animals. 

Raccoon on a roof

2. Other Structures Coverage: Structures on your property that are not directly connected to your home, such as fences, sheds, detached garages, or even the attic, in some cases, are covered by the other structure’s coverage. If a wild animal damages any structures, the insurance policy may help with the repair or replacement costs, subject to the coverage limit and deductible. 

Damage to property from animal

Homeowners need to review their insurance policy to understand the coverage limits and deductibles associated with both dwelling protections and other structures coverage. Contacting your insurance provider promptly after such an incident is advisable to initiate the claims process and clearly understand the coverage and reimbursement details. The deductible is the amount the homeowner must pay out of pocket before the insurance coverage kicks in, and the coverage limit is the maximum amount the insurance company will pay for the covered damages. We have a dedicated team of insurance coordinators that can work with you to help you understand your policy and what coverage it provides. We take pride in offering comprehensive assistance to ensure you receive the coverage you are entitled to.

Your Local Attic Cleanup Expert,

Michael Koski

Michael Koski Attic Cleanup Owner

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