People often look to their insurance agents to find help in covering the costs of rodent removal as well as any damage that they may have caused. Many insurance policies do not cover this type of damage because the companies believe that pest and rodent control is a long-term issue that depends heavily on home maintenance. Damage that can be prevented by regular home maintenance commonly isn’t covered by insurance policies. However, this is more specifically the case with insects and certain pests. Some animal invaders are not rodents, and in these cases, your insurance company will help in repair as well as removal.
There are certain insurance policies that cover damage done by pests. Usually this coverage is stated very clearly, but it is important to discuss this with your agent. In most policies, some damage is covered. This is commonly collateral damage, though. For example, if a storm knocks a door off of your garage and a family of raccoons make it their home before you have time to repair it, the insurance company will cover some of the damage done by those raccoons. This is because the damage is related to the storm. In policies like these, the important thing to note is that it is sudden, unexpected damage that the insurance companies cover, not gradual damage.
It is important not to rely on your understanding of insurance policies and assume that you are covered. Your insurance agent can explain your policy very clearly and tell you whether or not your policy covers the damage to your home. When you call Texans 1 Rodent Removal, we will work with your insurance company and find a way to help you pay for the removal of the critters in your home or business and repair of any damage.