Is Raccoon Damage To Roof Covered By Homeowners

What attracts raccoons to your yard.

Is raccoon damage to roof covered by homeowners.

Homeowners insurance policies don t usually cover vermin damage such as damage caused by rodents. They may not become aware of them until they have already damaged the house. A standard homeowners insurance policy may help cover repairs if raccoons damage or destroy the roof attic or other areas of the home s structure. But jon and kathleen sullivan of milton found out the hard way after raccoons ransacked their residence that cue the jingle.

Even if the roof leak is caused by a windstorm or a tree. Although damage from rodents and other vermin is not covered under most commercial and residential insurance policies raccoon damage is. The following picture is an example the type of damage that raccoons can cause to a roof. This type of damage is far too common and is a gateway to even more damage including ensuing water and wind damage.

Bum da bum bum bum bum bum contrary to those entertaining ads. Raccoons have even been known to rip shingles off or tear holes in the roof in search of shelter causing damage that can cost many thousands of dollars to repair. A standard homeowners insurance policy will cover water damage and roof leaks unless they re the result of gross negligence on your part. This means that your insurance policy may pay for damaged roofs and walls.

Even if your insurance company rejects your claim for coverage i suggest you don t give up that easily. They usually learn of their unwanted tenants only after the creatures have damaged their home. The policyholder has to ensure that they have a policy that will cover such a loss. While physical damage caused by a wild animal to your home or other structures on your property may be covered by a homeowners insurance policy this coverage typically won t extend to animal damage to your personal property.

However homeowners are typically responsible for repairing or replacing personal items such as clothing electronics and furniture that are damaged by raccoons. And from what i ve seen most residential and commercial insurance policies do cover raccoon damage. However your standard insurance policy wouldn t cover for damage to your personal property. Many people who have insurance may not be aware that they have raccoons in the home such as in the roof or in the attic.

The damage of the roof caused by raccoons can lead to even more damage such as wind and water damage. Raccoons are not rodents. But the raccoon is not a rodent right. For example if a raccoon wreaks havoc in your garage homeowners insurance may help pay for repairs to the structure but damage to the items you ve stored inside the garage typically won t be covered.

However if the raccoon chews through your piano you are on your own.