This means that your insurance policy may pay for damaged roofs and walls.
Is raccoon damage to roof covered by homeowners.
What attracts raccoons to your yard.
However your standard insurance policy wouldn t cover for damage to your personal property.
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.
The following picture is an example the type of damage that raccoons can cause to a roof.
A standard homeowners insurance policy will cover water damage and roof leaks unless they re the result of gross negligence on your part.
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.
But jon and kathleen sullivan of milton found out the hard way after raccoons ransacked their residence that cue the jingle.
Although damage from rodents and other vermin is not covered under most commercial and residential insurance policies raccoon damage is.
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.
Bum da bum bum bum bum bum contrary to those entertaining ads.
They usually learn of their unwanted tenants only after the creatures have damaged their home.
But the raccoon is not a rodent right.
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.
However homeowners are typically responsible for repairing or replacing personal items such as clothing electronics and furniture that are damaged by raccoons.
Even if your insurance company rejects your claim for coverage i suggest you don t give up that easily.
Your insurance company will most likely not cover personal property loss.
Even if the roof leak is caused by a windstorm or a tree.
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.
They may not become aware of them until they have already damaged the house.
Homeowners insurance policies don t usually cover vermin damage such as damage caused by rodents.
The policyholder has to ensure that they have a policy that will cover such a loss.
However if the raccoon chews through your piano you are on your own.
