Will homeowners insurance pay for bat damage?

Bat proofing often can become very expensive. The steps that homeowners take in an effort to get rid of bats or prevent them from entering their home simply cost a fortune at times. An insurance policy sometimes guarantees that you can have it covered, but sometimes you have to handle the expenses yourself to eradicate the bats and clean up after them.

An insurance company may have certain policies outlined in their terms and condition. Of course, it is important that a person reads the policy carefully without missing any points. Some of the agents may have bat strategies in their insurance policy, but this is not always the case.

Insurance is supposed to protect homeowners from bat damage. However, sometimes the contract briefly explains that bat damage is not included. Sometimes the policy even states that it does not include bat removal. In this case it seems like bat damage is your own responsibility, even if removal is an important part of keeping the home environment clean and safe.

When this happens, you should find an agent that can help you with the claim. Removal can be covered if it is clearly explained that the bat damage is the reason the claim is being filed. Removing pests may jeopardize the house and the budget as well.

People often question if bats in the attic are covered by an insurance policy. The coverage normally applies when there is a repair cost to the damage, for instance, the damage in insulation due to bat droppings. But bat removal is not always covered in the policy. Thus, there is a difference in the policy between removing the bats and repairing the damage. This simply shows that not all aspects of a bat problem will be covered under a risk policy. There are many terms that define each policy and the coverage may not be included.

Should you need more information on insurance coverage for bat damage, you should seek out a professional insurance expert to understand further how the case can be settled. You do not need to spend a lot of money if the insurance covers the damage for you. Generally, bats are not included under a vermin group. Make sure you read any policy very carefully to see all of the fine details of what is covered and what isn’t.

Go back to the How to Get Rid of Bats page or email us if you have any other questions about Will homeowners insurance pay for bat damage?