However homeowners are typically responsible for repairing or replacing personal items such as clothing electronics and furniture that are damaged by raccoons.
Is raccoon damage to roof covered by homeowners.
Even if the roof leak is caused by a windstorm or a tree.
Your insurance company will most likely not cover personal property loss.
Homeowners insurance policies don t usually cover vermin damage such as damage caused by rodents.
This type of damage is far too common and is a gateway to even more damage including ensuing water and wind damage.
The damage of the roof caused by raccoons can lead to even more damage such as wind and water damage.
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.
They may not become aware of them until they have already damaged the house.
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.
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.
And from what i ve seen most residential and commercial insurance policies do cover raccoon damage.
However if the raccoon chews through your piano you are on your own.
What attracts raccoons to your yard.
The policyholder has to ensure that they have a policy that will cover such a loss.
Even if your insurance company rejects your claim for coverage i suggest you don t give up that easily.
Raccoons are not rodents.
But jon and kathleen sullivan of milton found out the hard way after raccoons ransacked their residence that cue the jingle.
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.
This means that your insurance policy may pay for damaged roofs and walls.
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.
But the raccoon is not a rodent right.
The following picture is an example the type of damage that raccoons can cause to a roof.
You re probably covered by your residential homeowner s insurance policy.
Although damage from rodents and other vermin is not covered under most commercial and residential insurance policies raccoon damage is.
Bum da bum bum bum bum bum contrary to those entertaining ads.
