Will your homeowners insurance pay for squirrel damage?
Squirrels are in the family of rodents, and like all rodents, can
cost homeowners huge amounts of money in damages to your house and
yard. Squirrels most often cause damage by their constant chewing.
They can chew up trees and plants, chew up your soffits and eaves to
get in to your house, and destroy the wiring, water lines, and walls
in your home . Squirrels can demolish your beautiful landscaping
with their digging and chewing in a very short period of time.
Excrement from squirrels nesting in your attic can ruin insulation
and rot wood. The entry holes they chew through your roofs and
soffits can let in the wind and rain causing even more damage to
All this devastation can cost large amounts of money to repair. If
you have comprehensive home insurance, you may be fortunate enough
to have the damages covered! When a wild animal like a squirrel
causes damages to your property, you may have a legitimate claim. A
squirrel tearing through your garage rummaging through boxes and
chewing up old photographs probably won’t be covered, but any
structural damage to your home is, most likely, included in your
coverage. If you find you have an infestation of squirrels, once it
has been cleared, you may discover that your policy can help repair
damaged roof and soffits from them chewing holes, as well as
replacing insulation, drywall, paneling, and chewed wiring.
Unfortunately the damage from long term infestations or the waste
they leave is usually excluded from your standard homeowner’s
coverage. There are exceptions to every policy and it is best to
check with your agent to review your policy and be sure that you
have the best coverage possible for the area in which you live.
Practice animal problem Prevention whenever possible. Maintain a
neat and tidy yard and area around your home. Remove tempting
nesting areas, don’t leave unattended pet food or standing water
out, and keep trash properly contained. If animal damage is
discovered, and you are lucky enough that your policy will cover it,
make sure to file with your insurance company as soon as you
discover the damage.
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