Miami Pest Damage Attorneys
Is Rodent Damage Covered by Your Homeowners’ Insurance Policy?
Most standard homeowners’ insurance policies do not include coverage for rodent or vermin infestation and pest damage, but there are specific circumstances where your policy may kick in. If you are dealing with a claim involving rat, mouse, or other pest infestation or damage, our team at Englander Peebles is here to offer experienced insight. Our understanding of homeowners’ property damage claims in the Miami area serves our clients well as we work to protect their interests and right to maximum compensation.
Indications of Rodent Infestation
Rodent infestations can be unsettling, and these animals can cause significant damage to a home. Rats, mice, squirrels, chipmunks, and other small animals can damage your home in many ways, chewing through wiring, causing structural damage, and leaving piles of disease-ridden droppings. It is important to be aware of potential signs of an infestation, so you can get it addressed as quickly as possible.
The following are potential indications of a rodent or other pest problem:
- Rodent droppings
- Odd noises, typically at night, caused by the sound of rodents scurrying or nesting
- Gnaw marks on wood and even materials such as lead pipes, electrical wiring, and more
- Nests, often in secluded and undisturbed areas of your home
- Nesting materials strewn about, such as wall insulation, fabric, or shredded paper
- Dark tracks or marks along the floorboards and walls, caused by a rodent’s naturally oily fur
If you notice signs that may indicate a pest problem, be sure to seek professional help. It is better to address a rodent problem early, before it becomes a full-on infestation.
Pest Damage Coverage
Pest removal is typically viewed by insurance providers as the responsibility of the homeowner, as a type of maintenance or prevention. In some circumstances, however, some damage may be covered. An example may be a rodent that chews through electrical wiring in your wall, causing an increased fire risk of which you were completely unaware. If you had no knowledge of the problem or that the wiring had been compromised, your homeowners’ insurance policy may kick in to cover fire damage.
Such incidents are handled on a case-by-case basis, making it all the more important to work with a firm that has experience in dealing with rodent and pest claims. Our Miami pest damage attorneys at Englander Peebles can investigate the situation to see whether your claim should be covered.
Serving Homeowners in Miami, Florida
If you want to find out more about coverage for pest damage and how to proceed with a claim, take advantage of our free, confidential consultation. We can address your most pressing concerns and offer guidance based on our significant experience with homeowners’ property damage claims. We are here to serve your interests.
Their timely response to my questions and concerns was impeccable, unlike other places that I've sought for counsel.- Preea T.
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My experience with this firm was phenomenal from start to finish!- Chris U.
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