Raccoons can cause a ton of damage. These are strong, intelligent animals that can break roof vents right off, then ruin the attic with their feces. Raccoons can even start fires by chewing and tearing electrical cables. They’ll wreak havoc on your property. So, if a raccoon were to start a fire, can you claim the damages to your insurance provider? It depends on the clauses in your insurance policy. If you’re worried about raccoons, know that prevention is key. Call Raccoon Control for an inspection. We offer humane raccoon removal, exclusion, and cleanup.
Lots of insurance packages have clauses that cover the damages caused by wild animals. Listed under “dwelling” and “other structures,” your policy may cover the cost to repair what has been damaged by a wild animal, such as a deer. If an animal broke a window, for example, the damages will be covered. Raccoons, however, are usually considered too small to be insurable. Check your policy’s “vermin exclusion” clause. If raccoons are not explicitly listed, you’re in luck. You can ask your insurance provider to cover the costs of raccoon removal, cleanup, and repair. Read your insurance policy very carefully.
So, if raccoons are not listed in the “vermin exclusion” clause, you can ask your insurance provider to cover the costs of raccoon damage. But, before you make the call, check the price of the deductible. The deductible is the amount of money that you will have to pay for the claim. In some cases, the deductible costs more than the service itself. See if you can get some free quotes and find out what it will cost you to deal with the damages, first. Raccoon removal usually costs a few hundred dollars. Weigh your options, then decide if it is worth calling your insurance provider.
How to Prevent Raccoon Damages
When it comes to raccoons, the best thing you can do is to avoid them altogether. Even if your insurance provider will cover the damages, dealing with raccoons is a very stressful situation. These are wild animals that are hazardous to your health and wellbeing. Get a professional to inspect your roof and protect it from wildlife. Many companies offer exclusion services in which they will cover roof vents and make repairs so that raccoons never get inside the attic. It’s a small investment that can save you thousands in damages and a whole lot of stress.
Call Raccoon Control for all your raccoon removal needs. We offer humane removal services as well as exclusion and cleanup. Our technicians are trained to deal with any situation, no matter how severe or complicated it may be. We remove raccoons with care and make sure that no one gets hurt. Once removed, we can fully protect your property, so this never happens again. If you need help cleaning up, we can do that too. We offer raccoon feces removal and disinfection, to get rid of germs and odours. Call Raccoon Control today for an inspection.