Many people do not take the time to read the small print, and they understand the consequences only when problems
take place. With all the methods put in place so that people can save money, insurance is one way that people can
save, especially with problems that can cost thousands. When it comes to house mice damage or other vermin, the
insurance may refuse to pay. The insurance coverage may say that they will not pay for the damage if it is caused
by wear and tear, shrinkage, settlement, insects, vermin, weather conditions, fungus or other damage that takes
place gradually. Some may include a clause to cover pest control, but they will also add another clause that says
that the company will not cover for ants, birds, bedbugs or other pests that will need a specialist to remove them.
They do not cover mice or rats found on the outside of a main house like in a garden, garage or another building that
is detached from the main building. They do not cover pest infestations when a recommendation that has been given on
how such problems can be avoided has not been followed.
Some pest control coverage may have exclusions and they will invalidate the entire policy. You will have to keep the property insured in
the right conditions. There is no compensation or claim if the infestation is found outside of the home, if the infestation existed before
the policy started, and if the right measures would have prevented the infestation.
House mice in some cases may lead to much damage and misery to the homeowners when they are not treated at the right time. If they are not treated,
they will be free in roaming the entire property. House mice like to enter into the house mostly during winter or autumn, but if the access is available,
then they can enter inside anytime.
When it comes to a pest prevention plan, house maintenance will be playing a crucial part. When parts of a property are in decline, this will allow the
house mice to get in the house and they will invalidate the insurance policy. The basic maintenance may involve the brickwork, roofing, guttering, general
landscaping and trees. When you maintain the house in the right condition, it will ensure that the policy continues to be valid and will keep away mice.
When the damage is covered by the standard homeowner policy, it will only be limited to the collateral damage which will be associated to the infestation.
One example is when mice destroy the central support of a home which leads to the roof caving inside. The damage which is associated with the roof may be
paid for, but the frame of the home may not be covered. For example, if a storm caused the damage that let the mice inside, then the damage may be covered,
including what was caused by mice since the damage was a result of an unexpected event. This is because the insurance may cover the unexpected damage but not
gradual damage.
Go back to the
How to get rid of mice in the attic home page. You might also want to read about
how to kill mice and why the use
of snap traps is better than
mouse poison. Read an analysis of the different types of traps and how to use them on the
how to trap mice page.
Learn why
bait is not as important as trap type, placement and location. Also read a full analysis of
mouse repellent to understand why it
never works. If you see droppings and want to identify them, read the
mouse poop page. If you need to hire professional help, read about
how much does mouse removal cost?
or you can read this site to learn how to do it yourself. Feel free to email me about Will homeowners insurance pay for house mouse damage?
