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Will Homeowners Insurance Pay For Wild Animal Damage?

When a rodent or larger wild animal decides to inhabit part of a home, they will cause considerable damage even if they do not intend to. Animals will build nests with available materials, will chew on wires, and will leave urine and feces everywhere. This not only damages the property but also poses a health risk. It is important for you to know the things covered by homeowners insurance and the ones that are not covered before going ahead to make your claim. When it comes to Miami wild animal damages, there is always confusion as to whether they are covered by homeowners insurance or not. The confusion is mostly caused by insurance companies as most of them do not make the information clear to homeowners about possible damages covered by the insurance policy, especially when it comes to wild animals. Some damages caused by wild animals are covered by homeowners insurance while some are not. This article will explain that to you in a simpler way for better understanding.

Homeowners Insurance Covers Wild Animal Damages to an Extent
When it comes to the things covered by a homeowner’s insurance policy, there are lots of factors to put into consideration when it comes to animal damages. You need to know these factors in order to save yourself from problems associated with a property insurance damage claim. When did the damage happen? How did the damage happen? These and others are the possible questions you will need to answer before making your claim for damages caused to your property by a Florida animal. If the damage occurs gradually and you did not do anything to prevent it, then you are to blame and will be required to pay for the damages.

Things That Determine the Insurance Coverage of Wild Animal Damage for Homeowners
Apart from the when and how questions concerning the damages caused by a wild animal in your property, another thing you need to consider is the type of wild animal that causes the damage. Some wild animals are mentioned in most homeowner’s insurance policies. Damages caused by animals in the rodent family are not covered as it is believed to be preventable. So find out the particular type of animal that caused the damage before going ahead to file for a claim.

When Damages Caused By Wild Animals Are Not Covered By Property Insurance
There are some occasions when the insurance company will not even argue about your claim. This is when the Miami animal that causes the damage is not from the rodent family. Also, if the damage is caused as a result of damage caused by some natural sources such as wind, earthquake, rain, or thunderstorm before a rodent gets in to cause damage on your property, it should be covered.

What to Do To Prevent Further Wild Animal Damage to Your Property
There are some preventable wild animal damages to homes and commercial properties. Take a rodent, for instance; you can prevent their infestation by deterring them or repelling them away from your Florida property. Also, you can use some other wild animal control techniques to discourage any wild animal from getting into your property to cause damage. These will save you from problems involved in filing for an insurance claim.

Go back to the Miami Wildlife Control home page.