Does homeowners insurance cover wood damage and chewed wires caused by squirrels?

Squirrels and other animals that are found in the area around your house can cause unexpected damage to your property. The animals may chew through wood or even damage electrical wires by chewing on them. When your home in Newark, NJ has been damaged by a squirrel, it may be possible to make a claim on your homeowners insurance policy.

The Policy Details

Ultimately, the details of your current policy will play a significant role in the ability to make a claim. Every homeowners insurance plan is different and the details about what is covered and what is not may vary.

Evaluate your policy to determine if you are covered against damage from animals. Some insurers may specify situations that are covered while others may cover several situations as long as they are out of your personal control and do not relate to regular maintenance. In some cases, you may have clauses or exceptions that exclude damage from squirrels, so read the policy thoroughly before you make a claim.

Paying for Damages

In many cases, insurers will pay for the damages to your wiring system and the house after a squirrel has caused damages. The amount that is available to repair the problem may vary based on your current policy. Insurers may offer a set percentage based on the situation, so you may or may not be able to make a claim for the full amount.

Squirrels and other animals can cause damage to your property, but the coverage and the details regarding the claims process can seem complicated. Depending on your plan, you may or may not be covered against certain damages from animals. Contact us to talk to an agent for more information about your policy options.