Animal Damage Repair and Your Homeowners Insurance

Here at Critter Control of Seattle, we offer full services for all of your wildlife needs. Not only do we offer services to remove the problematic wildlife, but we also offer repair and exclusion services as well. Very few homeowners are aware that their homeowner's insurance policy may cover the costs of repairing damage caused by wild animals; but we feel obligated to inform our customers that there is a pretty good chance that damage to your home will be covered if it is caused by a wild animal. If you are having a problem with rodents, you will have to check your insurance policy, because many policies do exclude rodent damage. If you have damage caused by squirrels, some insurance companies may tell you that this is rodent damage; however, most states identify squirrels as game animals which means your policy could be successfully argued. In addition to repairing the structural damage caused by wild animals, your homeowner's insurance may also provide for the removal and replacement of soiled or contaminated insulation, as well as water damage to your insured personal property, that results from leaks caused by wildlife. When you have wildlife living in your home, a skunk that has taken us residence around your home, an animal that has died in your home, or any other wildlife problem that has caused lingering unpleasant or offensive odors in your home, your homeowners insurance may also cover the deodorizing of your home, and dry cleaning of your clothes. According to the National Association of Insurance Commissioners, 84.2% of all U.S. homeowners have HO-3 type policy. This is the type of policy that will most likely pay for the repair of any damages caused by wildlife animals other than rodents. We encourage you to check with your insurance company regarding your coverage no matter which species of wild animal has caused your property damage. 

Please feel free to have your insurance agent contact us. We will be glad to work with him or her for your benefit. 206.317.5048