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Will Your Home Insurance Cover Damage Caused by Critters?

Pests such as squirrels, mice, and chipmunks can cause a great deal of property damage to your home. Squirrels and other critters commonly gain access to roofs and attics via power lines and utility poles. They can quickly chew through the exterior of the roof to gain access to the warm attic. Once inside, these animals build nests, chew through wood and wires, and quickly locate the food sources inside the home. Fortunately, Critter Guard is an effective method of preventing critters from entering the attic via power lines and causing damage to your home exterior.

squirrel on roof of house after gaining access from power line

Will Homeowner's Insurance Cover the Damage?

It is crucial to familiarize yourself with your homeowner's insurance policy so you can be sure of what exactly is or isn't covered. Standard homeowner's insurance covers a range of issues including:

  • Vandalism and theft
  • Environmental elements like wind and fire
  • Explosions
  • Structural damage caused by animals such as deer and raccoons may be covered fully or partially depending on the type of damage

Damage typically not covered by standard homeowner’s insurance include:

  • Flood and earthquake damage
  • Damage caused by pests such as insects and rodents
  • Roof damage caused by pests such as squirrels

Prevention is Key

Squirrels and other small critters often climb utility poles and power lines to gain access to your cozy abode. The attic is a particularly desirable location for these critters. You don't have to be at the mercy of pests causing mayhem in your home. At Critter Guard, our Line Guard and Pole Guard systems are an effective means of preventing critters from accessing your attic. Our Line Guard and Pole Guard systems humanely prevent animals from accessing utility poles and power lines, climbing and chewing the poles and communication lines, and causing power outages and fires.

Familiarize yourself with your homeowner's insurance policy to understand fully what is and isn't covered. Pest control and prevention is an essential part of protecting the integrity of your home. For more information on how Critter Guard can help protect your home, contact us today!

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