Richmond Wildlife and Animal Removal

Will Homeowners Insurance Pay for House Mouse Damage?

When there are Richmond rodents and house insurance involved is ready to hear complaints from the insured party, it is good. However, when the party had paid added, cost the insurance company can be reluctant to pay.

Problems arise in trying to define Richmond rodents that are living in your house as wild. The other reason it’s primarily difficult to outline or pinpoint cause of damage. A house might burn to the ground due to rats eating away wire insulators in turn the wires might spark causing the fire. Such complications mean that the payments might take years to be fully processed. It’s common that insurance companies will only cover certain risks not all. The reality is that these companies understand that it’s hard to pinpoint the exact cause of damage to a Virginia house by rodents. Most companies exclude damage caused by wild animals especially the small type i.e., mice and rats being in this category.

Accidental damage option can bridge the gap of Richmond rodent causation in house insurance. It’s under insurance law that causation and proximal cause be considered. Hence the accidental damage option is a relief to those wishing to cover themselves against vermin. Though the option costs more and is added to the annual payable premiums. Damage to houses is rare and that is why insurance are further reluctant to pay for such claims under house insurance but they can cover and pay claims if damage was caused by stray domestic Virginia animals. Under principals of insurance for a risk to cover it should be unforeseeable and in the example above the possible activities of a stray dog can’t be foreseen.

Nevertheless there should be some possibility of it happening, hence the rarity of Richmond rodents causing house damage makes coming up with insurance covers a bit difficult. All in all rather than deal with the insurance process of making a claim dealing with the Virginia rodents on your own is way time saving. House insurance can cause a lot of pain especially if the company refuses to pay. From a personal level getting rodent insurance is a waste of money. It’s all about preventing the mice from getting into the Virginia house.

One can prevent Virginia mice from infesting your Richmond house by simply ensuring that food in the house is covered and the house is generally clean. Blocking all holes and routes used as entry points by the mice can really assist and save you money. Keeping a cat can also get the job done.

Visit our Richmond animal removal home page to learn more about us.