When Does Home Insurance Cover Rodent Damage?
Table of Content Does homeowners cover rat infestation? Is It Possible That Homeowners Insurance WillPay for Rat … Does Home Insurance Cover Rat Damage Does insurance pay for termite damage? For example, rats may chew through an electrical cord and start a fire, or carpenter ants can get into wood framing and cause structural damage. Under normal conditions, fire and structural damage from unforeseen events get insurance coverage. Despite the varying levels of protection that different types of homeowners’ policies afford, they all typically exclude damage from rodent or insect infestations. Even the most comprehensive policies usually exclude animal problems like this, and they exclude both damage from individual animals and large infestations . Not sure whether your homeowners insurance policy covers snow damage? Home insurance typically excludes coverage for rodents and vermin like rats, bed bugs, and termites. Insurers will want to make sure the damage was sudden and unexpe...