Does Home Insurance Cover Rodent Damage?

​It's usually a no. Insurance policies may not pay for the damage caused by rodents and rats. The reason is that rodent and rat infestation is considered an avoidable problem.  

Rodents and other pests, such as raccoons and rats, are typically not covered by homeowners insurance. Home insurance is created to protect your personal and household assets from unpredicted and random damage, and rodent outbreaks are regarded as preventable and issued by insurers.

Insurance providers recommend you take control of the maintenance of your property, and rat outbreaks rarely occur instantly or overnight. They are frequently regarded as a maintenance problem by policyholders. It is true for any other type of pest infestation, such as termites or carpenter ants.

Damages Caused By Rodents And Rats 
Rodents and rats can create serious structural damage. Rodent teeth are tougher than iron, copper, lead, and aluminum, allowing them to chew through metal, PVC pipes, drywall, rock, and other household materials. If a rodent gets into your house, you could be out hundreds or thousands of dollars to repair any damage to your walls, wires, or pipes.

Coverage Of Home Insurance 
A home insurance policy may cover damages caused by rats and rodents beyond homeowners' control. When the damage is discovered as soon as possible and is not the result of carelessness or poor maintenance, your home insurance may help pay the damage. 

Another unexpected damage is if those rats chewed their way through pipelines in your loft, causing flooding, your insurance can cover the harm. Another scenario that may cover the damage is if rodents cause damage to the pipes connected to your fire sprinkler system, causing other problems.

These situations are caused by events outside the homeowner's control and are most likely unfamiliar to the homeowner. However, each situation is evaluated individually, and the particulars will undoubtedly be considered when deciding on coverage.

Conclusion:
Like any other pest infestation, home destruction caused by mice and rats is generally not protected by the regulations of a basic home insurance policy. 

Rodent infiltration is hazardous to your health in terms of disease transmission and allergy manifestation.  Rats and mice may also damage your electrical wiring and may cause fires.

At Kapasu Insurance Services Inc, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (760) 995-3853. Get your free quote today by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.