Homeowners Insurance Coverage for Raccoon Damage

Homeowners Insurance Coverage for Raccoon Damage: Homeowners policies are very important to the policyholders and the insurers. If you have been facing vandalism by raccoons in your home and you are tired and fed up with the damages they cause to your home and properties, The first thing that pops up in your mind is your homeowner’s insurance policy.

Homeowners Insurance Coverage for Raccoon Damage

Understanding what your policy covers is very important to ensuring that any damage to your home is covered. Properties damaged by mice, bats, insects, or squirrels may not be covered. But what about raccoons?  Raccoons are wild animals; does home insurance cover them? This article will explain if your home insurance pays for raccoon damage. And when will your home insurance come in if your home suffered damage from a raccoon?

Homeowners Insurance Coverage for Raccoon Damage

When it comes to raccoons, the damage they can do to your house can be very expensive. However, you need to know that some insurance companies do cover damage caused by these factors, while others do not. This means not all policies cover damages caused by these animals. Some will cover the structural damages caused by raccoons, such as the destruction of insulation or holes in the roof. But they won’t extend to your personal properties. In certain cases, if you live in a location populated with raccoons, you may be able to get a rider to cover damages. 

Raccoons are not pets, insects, or members of the rat family. Even though they are very cute masked animals, they are wild animals. They are known for chewing holes wherever they go to find shelter. Knowing the huge amount of damage they can cause for an average homeowner is not good news. Read your policy very carefully, seek clarification from your insurer, and know what you are covered for. And keep your home in good repair. This will help you stay ahead if you incur raccoon damage.

Structural Damage from Raccoons

Raccoons can cause huge damage to homes, including damaging insulation, chewing through materials, and compromising the structural integrity of your property. Your standard homeowners insurance may cover structural and dwelling damage caused by raccoons. However, you must review your policy to know the specifics of this coverage.

Keep in mind that the personal property damage caused by these animals may not be covered. So, when assessing the impact of raccoon damage, it is very important to differentiate between damage to your personal belongings and structural damage. Knowing the scope of coverage for wild animal damage within your policy is important for determining necessary repairs and costs.

In general, evaluating the structural damage done by this wild animal is an important step in knowing the coverage provided by your homeowner’s policy. Note: Damage done by rodents, insects, birds, and farm animals is not covered by your standard homeowners’ policy.

Evaluating Personal Property Protection from Raccoon Damage

Just like I have mentioned above, although a standard homeowner’s insurance policy may cover structural and dwelling damages, personal damage is not covered. This means that if a raccoon enters your garage and damages all the items in it, it is likely that your policy will not cover them. Clothing, furniture, and electronics are examples of personal property that will be at the owner’s expense. The insurers won’t cover the tearing up of ductwork or raccoons caused by rodents, raccoons, and birds. So, you will have to pay for these damages out of your pocket.

Understanding the fine print of the fine print of your policy will help you determine what your coverage includes and its limitations. And give you a good knowledge of what damages may be covered out of pocket.

Your policy may include provisions for pest control and animal infestations. There is a lot to check out, but it will be worth your effort and time to know what is covered and what is not covered in your policy. If you have any questions, meet with your insurer to clarify. Your insurance company will give you full details on everything that is covered by your homeowner’s insurance. The insurer will also tell you when you need to file claims for damages caused by raccoons.