Michigan Animal Damage Control Company
Insurance Work- Damages Caused By Nuisance Wildlife
This Article May Help You With Insurance Coverage For Wildlife Control Damages
Damage caused to your home due to nuisance wildlife may be covered by your homeowners insurance policy. Damage caused to your business commercial building due to wild animals may be covered by your commercial insurance policy. Our relationships with most insurance adjusters help us in bidding your jobs and making sure we get the expenses covers on your damaged home or attic. For animal damage control our services included attic restoration, attic vent repairs, odor control, flashing eaves, roof repairs, and decontamination.
Many insurance companies have a clause in their policies stating they do not damages by vermin, rodents, domestic animals, or insects. Raccoons, bats, and skunks are not, vermin, rodents, insects. They are considered nocturnal mammals. This is one way you are able to get coverage for the damages when dealing with these specific nuisance critters. Raccoons, bats, and skunks are mammals. They are not considered to be vermin or rodents.
Most rodents such as mice, rats, and squirrels fall under the category that isn't typically covered by insurance companies. However, all insurance company policies are different and you still may have them pick up the tab.
If you have insurance coverage for wildlife damage they may only cover the damages caused by said animal. Raccoon damage to the roof or vents may be covered. The removal of the raccoon may not be. Bat damage to the insulation may be covered, but the the bat exclusion may not be. Typically insurance companies will only cover the structural damage caused by wild animals and not the extraction.
We find a lot of insurance companies haven't ever dealt with a nuisance wildlife claim. Sometimes it's better to call corporate than go to your local adjuster. If you are denied a claim, you should always get a letter in writing why you are not covered under the policy. Read through your policy and make sure it doesn't say "rodent damage or vermin damage". Again raccoons, bats, and skunks are not vermin or rodents. This is important to help get your claim covered.
If you feel damage has occurred to your home it's important you call the insurance company immediately. Pre-existing conditions or damages that are not maintained in a timely manner, may be cause for denial. Read through your insurance policy and see if you may be covered, then contact your adjuster or corporate office.
We provide a full nuisance wildlife control and damage control service. We can remove the animals and restore the damaged areas back to their original state. We have worked with most insurance companies and are familiar with how they operate and what coverage they provide. If you need assistance in working with your insurance, please contact us today.
Wildlife Doing Damage to Your Property
