Does Your Insurance Policy Cover Racoon Damage?

by | Jan 24, 2017 | Wildlife

When raccoons approach your decking around your property, they may look cute and potentially cuddly and you might toss them a little food from your barbecue, as you sit and watch what you believe are friendly creatures. Should they break into your attic, the damage and smell will become overbearing and you will certainly need the services of a professional company dealing with raccoon removal in Arlington, VA. You will ask and make enquiries about whether the racoon damage is covered by your insurance policy.

What Is the Problem?

Raccoons present a real danger to children and adults. The raccoons section their living area into one half for their young and the other for living. Unfortunately, where they choose to live, is also where they leave their waste. The parasites that live in a raccoon’s intestine pass a dangerous roundworm in their feces. When children are adults inhale or touch the waste, it may be passed into the organs of the human body. This can cause serious eye disease, brain damage and sometimes, death. You will almost certainly not be able to complete the cleanup in a safe manner and will require the services of raccoon removal in Arlington, VA.

What Will Your Insurance Company Say?

Surprisingly, many insurance companies will cover the cost of removing raccoons and their waste from your property, because raccoons are not listed as rodents. Most insurance companies will not cover damage by rodents unless you have specifically agreed and paid for cover for rodent damage.

Before you should worry about raccoon removal in Arlington, VA, it is better that you check your insurance policy and find out exactly what pests and wildlife damage is covered by your policy. You should also clarify whether the cost of removing the animals and their damage is included within your insurance policy. If you do have a clause that doesn’t cover rodents and vermin exclusion, you may need to speak to your wildlife experts to take measures to protect your property against potential damage.

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