As a homeowner, you never expect small critters like squirrels to cause costly damage to your house. But these resourceful rodents have a surprising ability to chew through attics, walls, and electrical wiring, leaving behind expensive repairs. Does homeowners insurance protect against destruction caused by squirrels? Let’s find out
In short answer, homeowners insurance does not cover squirrel damage in the USA. This is because squirrel damage is considered to be a maintenance issue, and homeowners insurance is typically only intended to cover unexpected events, like storm, earthquake, fire etc.
Still, there are a few exceptions to this rule. For example, if a squirrel damages your home as a result of a covered event, such as a storm or fire, your homeowners insurance may cover the cost of repairs. Additionally, some homeowners insurance policies may offer optional coverage for squirrel damage.
Squirrels are known to cause two main types of important damages to homes:
Squirrels chew through shingles or fascia boards to enter and build nests in attics. They may gnaw on rafters and insulation or leave droppings behind.
Squirrels like to chew on electrical wires either inside the home’s walls or outside near the utility lines. This can lead to power outages or fires.
It may also damage:
The good news is standard home insurance will pay for interior squirrel damage such as:
Home insurance policies do not cover every aspect of squirrel damage repairs:
Recommended Guides for you:
To minimize run-ins with squirrels:
Home insurance provides valuable protection against the considerable damage nuisance squirrels can cause inside your home’s walls and attic. But preventing squirrel invasion in the first place is the best approach for avoiding large claims and potential policy cancellation. Be vigilant in pest-proofing your home.