Is Raccoon Damage To Roof Covered By Homeowners

The policyholder has to ensure that they have a policy that will cover such a loss.

Is raccoon damage to roof covered by homeowners.

Homeowners insurance policies don t usually cover vermin damage such as damage caused by rodents. But the raccoon is not a rodent right. Raccoons are not rodents. They usually learn of their unwanted tenants only after the creatures have damaged their home.

However homeowners are typically responsible for repairing or replacing personal items such as clothing electronics and furniture that are damaged by raccoons. 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. And from what i ve seen most residential and commercial insurance policies do cover raccoon damage. A standard homeowners insurance policy will cover water damage and roof leaks unless they re the result of gross negligence on your part.

This type of damage is far too common and is a gateway to even more damage including ensuing water and wind damage. You re probably covered by your residential homeowner s insurance policy. However if the raccoon chews through your piano you are on your own. 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.

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. 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. This means that your insurance policy may pay for damaged roofs and walls. They may not become aware of them until they have already damaged the house.

The following picture is an example the type of damage that raccoons can cause to a roof. Bum da bum bum bum bum bum contrary to those entertaining ads. If you seem to be the only one on the block getting terrorized by these creatures you may be wondering why they chose you over anybody else. Your insurance company will most likely not cover personal property loss.

But jon and kathleen sullivan of milton found out the hard way after raccoons ransacked their residence that cue the jingle. 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. Although damage from rodents and other vermin is not covered under most commercial and residential insurance policies raccoon damage is. However your standard insurance policy wouldn t cover for damage to your personal property.

Even if the roof leak is caused by a windstorm or a tree.