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Will homeowners insurance pay for rat damage? (not usually)
You will need to have a good read through your homeowners insurance policy documents before you start relying on the
insurance to pay out for rat damage. The thing with a rodent infestation is that it is often caused by the total
negligence of a homeowner. If that homeowner were to tend to their property thoroughly, ensuring that holes are sealed
and patches of damage are repaired, the rats wouldn’t be able to get into the property at all. It is because of the
homeowners negligence that the rat infestation generally happens.
That’s the way that the insurance company will look at things when you try to claim for a rat infestation and the subsequent
damage. If you had kept up with necessary maintenance of your property, the rats wouldn’t have gotten in. If you had been keeping
an eye on your home, you would have noticed the infestation. You would also have noticed the damage. If the destruction is that bad,
the repair bill can fall into the thousands of dollars, and sometimes even more that. The damage these rodents can do is just as long
as the list of diseases they can carry, and you will not have a good time trying to repair it all.
In short, homeowners insurance will usually not cover you for the damage that a rat infestation can cause, and you should regularly
check your home for signs of disrepair. If you aren’t sure where to start, give us a call for some free advice. We’ll share some of
out 32-point inspection process with you - a process that has been guaranteed to do the job very effectively.
For more rat information, visit our rat removal tips page, or for more specific how-to instructions, read the how to get rid of rats page with 6 step-by-step instructions.
If you have a problem with rats above your ceiling in your house, read my rats in the attic guide. The most important part of rat control is sealing shut entry holes into the building, but after
you've done that, you'll want to know how to kill rats humanely to complete the rat control job. If you need to hire professional help in your city, click on my directory of over
200 rat removal companies servicing 95% of the USA. we can help your with your rat problem!
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