What Does Your Homeowner’s Insurance Policy Cover When Wild Animals Cause Damage to Your Attic or Home?

Table of Contents:

  1. What types of damage are covered for wild animal damage?
  2. Read the fine print!
  3. What animals are excluded from homeowners insurance policies?
  4. Does home insurance cover damage by household pets?
  5. What about home damage caused by insects or bugs?
  6. What about bats? Is repair for the damage they cause included in my homeowner’s policy?
  7. Insurance help for bat colony damage in the attic or home.
  8. In conclusion.

What types of damage are covered for wild animal damage?

We are often asked this question: What will my insurance company cover? Well, the first thing we ask is, what does your policy say? Most insurance companies will cover damage caused by wild animals to your home, such as damaged or chewed wiring or damage to walls or insulation, but they may not cover the loss of personal property damaged by wild animals. 

Let’s use the following illustration to highlight how this would work – 

 A family of raccoons has set up shop in your attic and has kits (baby raccoons); they also have an area of your attic set aside for their latrine. The latrine is on top of boxes you have stored with old family pictures and memorabilia. The raccoon nest is on top of insulation with wires underneath. The kits have chewed through the wires. 

An insurance company may cover the damage to your attic, repair wire damage, insulation contamination, and air scrubbing, but what about the damage caused by the raccoon latrine? Suppose the boxes are destroyed from the raccoons’ urine and scat, and your items inside the boxes are also destroyed. In that case, there is a good chance your insurance company will not cover the loss of your personal items in your homeowner’s policy but will repair the surrounding area if there is additional damage from the raccoon’s latrine. 

A raccoon in an attic which has suffered wild animal damage

Read the fine print

We recommend reading the small print in your homeowner’s insurance policy and looking for exclusions for wild animal damage. Ultimately, you are responsible as homeowners for reviewing your policy and confirming you are happy with the coverage. Ask your insurance rep if there are any animal damage exclusions in your policy. If there are exclusions, and you live in an area where animals are known to try and access attics, ask for a policy covering this.  

Some insurance companies exclude certain animals but do not exclude others. For insurance, they may cover attic remediation and repair for damage caused by a colony of bats but not offer coverage if the animal is a raccoon.

man reading insurance policy that covers wild animal damage

What animals are excluded from homeowners insurance policies?

What about smaller animals such as rodents (rats, mice, squirrels, chipmunks)? Generally, homeowners insurance will not cover damage caused by these animals. This list sometimes includes birds, but not always. Some exceptions exist, such as a “single, identifiable event” that caused damage simultaneously. An example would be a chipmunk entering the attic and chewing through a wire, causing a fire. In this case, there is a chance that your insurance will cover the damages. 

a squirrel under roof tiles behind gutter

Does home insurance cover damage by household pets?

Homeowners insurance rarely covers damage from pets. You will need to talk with your insurance rep and ask what additional coverages are available in the event that your pets damage your home. This includes domestic animals such as chickens, pigs, goats etc. 

a dog that has just damaged a bathroom door

What about home damage caused by pests such as insects or bugs?

There is nothing worse than realizing you have a pest problem. Cockroaches, termites, bed bugs—these are the little creatures that keep homeowners up at night. Will your homeowners insurance policy cover damage caused by such pests? Generally, no, they will not. The reason? Your insurance company’s policy will most likely state that they consider these issues preventable by the homeowner, so they are excluded from the policy. 

person stood on damaged attic floor

What about bats? Is repair for the damage they cause included in my homeowner’s policy?

Bats are not classified as vermin, and as such, the damage caused by bats can be included in your homeowner’s insurance policy. Sometimes, cleaning up guano and urine staining can get a little sticky. Some policies will not cover this specific side of the attic remediation. That’s okay because this is what we specialize in. 

Insurance help for bat colony damage in the attic or home.

We at Attic Cleanup are the sister company of Get Bats Out and have been helping homeowners navigate the difficulties of insurance coverage for damage to their homes caused by bats for over 20 years. We specialize in working with you and your insurance company to help answer questions, provide a full inspection of your home to help with your claim and help all parties involved understand the scope of work. What is needed, and what isn’t? 

We offer a number of specialized services in-house to care for your bat damage problem from start to finish. 

  • Professional customer service department dedicated to home damage from bat colonies.
  • Live Insurance coordinators, call back within 4 business hours.
  • Local technicians in the field daily.
  • Fast response times.
  • A detailed review of your homeowner’s policy.
  • Correct licensing and Insurance.
  • Detailed proposals using the required templates and codes required by your insurance company. 
  • Experience working will nearly all the major insurance companies. 
  • Air decontamination teams.
  • Air quality testing before and after decontamination.
Attic clean up professionals at work in an attic

In conclusion.

When opening a claim with your insurance company, ensure you have all your ducks in a row. Read your policy carefully, preferably before you have an issue with wildlife in your attic or home. If you feel it is wise, call your adjuster and ask for available coverage options for the critters local to you. 

If you have bats in your attic, call us for a no-obligation consultation. If you are unsure about talking on the phone with us, just email us some details of the problem, and we will get back to you swiftly. 

Your Local Attic Cleanup Specialist,

Michael Koski

Michael Koski Attic Cleanup Owner

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