Squirrels Damage To Your Home
Squirrels get into your attic by chewing holes from the outside through eaves, soffits, gutters, trim, ridge caps etc. and have straight access thru construction gaps behind your rain gutters or other weak points that allow them easy access into your home or business. These holes and construction gaps may also cause severe water damage to your property. Squirrels can also damage attic insulation, increasing your heating and cooling costs. Squirrels also urinate and defecate in the insulation causing severe odors and potential health effects to your family. An even more threatening situation is when squirrels begin gnawing on exposed electrical wires in your attic. Squirrels are to blame for about 30,000 house fires each year! If you believe you have squirrels in your home, you may find yourself first asking, “Will my insurance cover their removal and clean-up?”
Does Homeowners Insurance Cover Squirrel Damage?
According to esurance.com, “Generally, rodent damage and removal aren’t covered by most homeowners insurance policies.” Since infestations and the damage that results from squirrels are usually considered matters of home maintenance which leaves the exclusion and damage repairs to be left for the homeowner to pay out of their pocket. But what if a squirrel chews through your home’s wiring and a fire starts? Your home insurance may kick in to help restore your home, since fires are a covered event under the majority of homeowners policies but some insurance companies may disregard the fire claim if they find the homeowners knew there were squirrels present in their attics and did nothing to alleviate the problem.
What Should Your Next Step Be?
In the event that you need squirrel removal service for your home or business, be sure to call the professionals at Varmint Gone first, before contacting your insurance agent, we can help explain what standard homeowners insurance will and will not cover. Following this, you can contact your insurance company with knowledge regarding your policy which may help in your squirrel damage claim.
Varmint Gone has two locations in the Charlotte area to better service our customers in the Charlotte area; Varmint Gone Matthews and Varmint Gone Lake Norman. Varmint Gone provides an unprecedented five-year warranty on all repairs and exclusion work after the project is complete and your home or business is permanently secure against Grey and flying squirrels.
Schedule an inspection with the specialists at Varmint Gone to help you assess your squirrel situation.