Although pests are small creatures, they can cause lots of damage to a house. Normally, when extensive damage is done to a home, a homeowner’s insurance policy will cover the cost of repairing the damage. So, it is reasonable to assume that your policy will also cover damage caused by pests. However, that is not necessarily the case. You need to take a close look at your policy to see exactly what it covers. Keep reading to learn some valuable information about pest damage and insurance.
Pest Infestations are Considered Maintenance Issues
Most insurance companies consider damage that is done by pests to be nothing more than a maintenance issue that was preventable. So, insurance companies are hesitant to pay a claim for something they think likely would not have occurred if the homeowner had taken the proper precautionary steps. Therefore, the cost of repairing the damage must be paid by the homeowner.
“Sudden and Accidental”
Insurance policies are usually written in a way that states they cover issues that are sudden and accidental. This language indicates that if an issue happens without warning, like having a pipe burst it is covered. However, mold that results from a slow leak is not. In relation to damage done by pests, your insurance will not pay for damage caused by long periods of pests using the wood in your house as a food source. However, they will pay for the collateral damage that is a result of pest actions, such as a roof collapsing because termites destroyed a support beam. However, keep in mind, that insurance will not cover the damaged support beam.
Increasing Exclusions to Insurance Coverage
In the past, insurance exclusions were limited to the damage done by termites. However, that is quickly changing. Insurance companies are adding more pests to the list of damage-causing creatures. So, if any common pests like bats, rats, birds, snakes or pests cause damage to your house, there is a good chance you will not be covered by insurance.
Call an Exterminator
Since you are not going to get much help from your insurance company, your best course of action is to call an exterminator at your first sign of a pest invasion. A professional pest controller can stop an bug problem before it becomes a costly issue.
If you suspect pests are starting to ruin your home, contact Venice Pest today. We can solve your pest problem before they ruin your home.