WILL MY HOMEOWERS INSURANCE COVER DAMAGE DONE BY A PEST INFESTATION??
NO! Unless it is specifically called out within the policy.
This is a question we get all the time. The usual answer we give is no but you should always check with your insurance agent or insurance company and here is why.
How many of us really know what’s covered in our policies? We just assume and when something pops up figure it’s covered. Take the time to review you policy and ask specific questions of your agent about these issues.
You can get these problems cover but it will cost you an arm and both your legs along with your first and second born. In most insurance policies you have a very explicit clause that excludes this type of damage.
The reason the insurance companies give for not covering rodent problems is they consider these types of problems a long term problem that should be covered by regular home maintenance. That is damage that can be prevented by taking the appropriate actions, like having a rat control service for your property.
Some damage is covered by standard homeowner’s policies. But this damage by either insects or rodent infestations has to be specifically called out within the policy and cost for this coverage is big. You will find that the most affordable action is to guard against this type of damage with preventative and regular maintenance
Wheelers Pest Control specializes in protecting your property from damage by rodents. Give us a call and let’s talk. Everyone needs to have the peace of mind that comes with covering a rat control problem.
