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Is Bat Removal Covered By Home Insurance

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Homeowners Insurance Cover Bat Removal

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According to esurance.com, most bat infestations are typically considered a maintenance issue. This is because bats usually get into your home through pre-existing holes or gaps in the roof or exterior walls. Any home insurance claims related to maintenance issues or negligence on your part are likely going to be denied by your insurer. Your policy could kick in to help pay for repairs if bats cause physical damage thats covered under your homeowners insurance. Another possibility is wind damage to your home that allowed the bats to enter the attic. So in some cases they may pay for the related damage, but not the removal of the bats themselves.

Will Homeowners Insurance Cover Damages Caused By Bats

While the majority of insurance companies will not cover bat removal, many will cover repairing any devastations that bats have caused in your home. If there is unintended physical damage , your policy would likely kick in to pay for the repairs. However, there are still some cases where your claim can be denied.;

Many homeowners policies explicitly state that damage will only be covered if it has not been left unattended for a long period of time. For example, if bats damaged your home and you left the situation go for eight months before you called the insurance company or a bat removal service, your claim is not going to be covered. This would place the fault for the damage on you, rather than the bats themselves.

Insurers will argue that if you dont do anything about the bat colony in your attic as soon as possible, then youre at fault for letting them cause irreversible damage. Simply put, insurance may pay for damages caused by bats, but only if you deal with the expulsion of the bats promptly and contact insurance about any issues as soon as you can.;

Does Insurance Cover Bat Removal

The issue of homeowners insurance covering bat removal is something we get asked a lot. The most straightforward answer is it depends on your insurance provider and the policy you have with them. I did some research for this blog, and I must admit, without login information or an insurance-policy to check with, theres not much to go off. It can be hard to find information, especially on your specific style of home and need for bat removal. So, after you realize you need bat removal, there is the factor of whether your insurers deem them as pests or wildlife. Once you determine that, its on to deciding if you hire someone thats going to do any structural changes the home at all.

In most cases, based on the insurance companies I found that had any information on their websites, insurers will not cover bat proofing. They mostly consider them pests and believe the homeowners are responsible. Their reasoning on this issue is pretty simple and straight forward. Getting bats into the home is preventable; its considered a maintenance issue. As homeowners, we signed up for this. I mean, being able to paint the walls whatever color we want, having pets, no more seeing your creepy neighbor in the hall, and being able to have an actual yard and not a parking lot of an apartment building is incredible. However, replacing your gutters and unfortunately, sometimes bat removal is not the most exciting aspect of being a homeowner.

Bat Removal

Home Maintenance

Bats In The House

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Will Homeowners Insurance Pay For Bat Damage

Homeowners insurance will cover most types of damage that are âsudden and accidentalâ, meaning damage that cannot be anticipated or prevented. When it comes to bats, their excrement or âguanoâ, is one of the most common forms of damage they can cause, and it carries a pungent smell and a potentially dangerous fungus that could lead to infection.

Homeowners insurance may deny a guano-related claim since the damage from a bat colony infesting your home over time is not sudden and couldâve been prevented before getting worse. However some homeowners insurance companies are more likely to cover bat remediation than others, so speak to your insurance company if your home requires clean-up after a bat, or bats, have been removed.

Coverage for bat damage also varies based on where the damage occurred. Damage to your homeâs frame and roof are generally covered, as well as other structures on your property, but your personal belongings might not be, meaning your homeowners insurance might cover the clean-up of your attic walls after bats have been removed, but not the damage to any furniture or other items you stored up there.

What To Do If You Suspect A Bat Infestation In Your Home

Will Homeowners Insurance Cover Bat Removal?

A bat infestation can pose a significant health risk to you and your family. Bat guano â which is the most common type of bat damage from infestations â can expose humans to rabies, bacterial growth, and a fungus that can lead to infection. If you suspect you have a bat infestation on your property, contact a wildlife removal expert or a bat control specialist to check it out and safely remove the colony if your inklings were correct.

After youâve discovered a bat colony, contact your insurance company to see if youâll be covered for any of the damage theyâve caused.

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Insurance Companies And Bat Removal

Bat exclusion, bat proofing, guano clean-up, Histoplasmosis mitigation and repairs to your building from damage caused by bats is often very expensive. Insurance companies and bat removal often do not go hand in hand.

According to the Insurance Information Institute, most pest infestations , are maintenance issues and not covered by insurance. The insurers feel it is the duty of the owner of the property to prevent the infestation or eradicate it long before any damage is done. In most cases, the property owner is left to pay for any damages.

That said, there are several options and situations that may provide significant financial relief if you are facing an expensive project or at least save you money in the long run.

Hire someone who specializes in bats. If you find a pest control company or critter ridder who gives you a less expensive initial bid the project may end up costing you much more in the long run. Ask these questions: Can they really accomplish the task?, Do they have experience?, Do they have satisfied customers from more than one or two years previous?, Do they offer a warranty against re-infestation? A significant percentage of the jobs our company does are situations where another company has been paid for the job, and the bats are still present.

Does Homeowners Insurance Cover Squirrel Damage

Unfortunately, squirrel damage isn’t covered by homeowners insurance because it’s considered preventable. It’s not unheard of for squirrels to take up residence in a home’s attic, and they can chew through beams, insulation, and even electrical wires in the process. Here are some tips to prevent squirrels from getting into your attic:

  • Trim tree limbs away from your home’s roofline
  • Make sure to cover chimney caps, attic vents, and exhaust fan openings
  • Remove potential sources of food and water from your yard, such as bird baths and feeders

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Is Pest Control Covered By Homeowners Insurance

Many standard home insurance policies purchased today cover damages caused by storms, fire, and theft. But is pest control covered by homeowners insurance? It may be possible to find coverage for collateral damage caused by insects and other pests, but generally homeowners insurance coverage for pest control is not available.

The question, Does my homeowners insurance cover pest control? can be answered simply by contacting a representative of your home insurance provider. But typically, most insurers will not cover homeowners for pest removal or damage caused directly by pests.;

However subsequent damage such as fire or flood caused by vermin chewing through a pipe or wire, may qualify as protected. Of course, after the damage is done, you will still need to hire a pest control service to resolve the rodent issue or pest problem in the home. Additionally, there could be additional costs associated with repairing structural damage, electrical or plumbing issues or replacing damaged furniture, clothing or textiles.

Does Homeowners Insurance Cover Termites?;

Depending on the age of your home and where it was built, the extent of insect and pest damage can be great or small. Some damage is to be expected over time and is generally treatable– and so not cause for an insurance company to underwrite it as a risk. Termite damage in particular is a problem that is typically detected during your home inspection.

Are Bed Bugs Covered Under Homeowners Insurance?;

How To Get Rid Of A Bat In The House

Finding bats and bat-droppings outside your home.

Whether you have a rogue flyer or a momma bat in the attic, use these bat removal tips to help it get back outside and out of your living room:

  • Wear the proper protective gear. When handling a bat, never use your bare hands. Wear gloves , long clothing, and even a mask to protect yourself from bites. Bats arent typically aggressive, but its always best to play it safe.
  • Keep calm.;When trying to remove a bat from your home, do your best to stay calm. Avoid making loud noises or chasing the animal. Its also a good idea to remove any pets from the room. An excited or panicked bat will be more difficult to catch.
  • Trap and release.;The easiest way to release a bat back into the wild is to trap it in a box or container. Start by waiting for the bat to land . Quickly place a plastic container or cardboard box over the bat. Then, slide a piece of cardboard or thick paper under the box and release the bat outside. When releasing the bat, try to let it go near a tree so it can climb .
  • Contact a local professional.;Bats are a protected species in many states. If you arent confident in handling the situation yourself, contact a local pest control specialist for help.;This is one of the safest options, too, especially if your bat problem persists.

Once the bat is safely out the next course of action is finding how it got in.

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Ways To Prevent A Bat Infestation At All Costs

Because you cant expect your policy to cover bat removal, you need to take wildlife matters into your own hands. Here are some tips on bat-proofing your home:

  • Get regular inspections. Routine inspections of your property by professionals will reveal any signs of infestation and pinpoint potential entry points so you can stop the problem before it starts or gets worse.
  • Secure your home. You should look for any holes that bats could enter through. Check for openings on your roof, along the foundation, and around the outer walls.
  • Purchase useful products. Window screens and chimney caps are great investments for keeping bats out long term, but make sure you only invest in ones made with durable materials.
  • Will My Insurance Company Help With Bat Problems

    Bat exclusion, bat proofing and a warranty or service agreement is often very expensive. Over the years we have helped many homeowners in their efforts to solve their bat problems and get assistance from their homeowners insurance policy. We cannot guarantee what response your insurance company will provide however we have had great success getting coverage for exclusion, proofing and guano clean up.

    When talking to your insurance company, there are a number of dos and donts. I HIGHLY recommend you download and read our free insurance guide, Bat Strategies, before calling your insurance agent. We never support efforts to commit insurance fraud, however there are a number of strategies, phrases, and hot buttons that can make or break your case with your insurance company.

    Dont worry, we hate SPAM just like you do! ;We will never sell or share your contact information.

    Bat removal involves sealing up the house or building at all the high points. We bat proof the roof line, chimney, siding, attic vents, and dormers. After we have sealed up the home so that bat colonies cant get back in we mount bat exclusion devices to permit the bats to leave at night to feed. The work is done from the roof and ladders and involves some danger. Not only are we working from heights but we are working with wild animals.

    For these and other reasons solving your bat problems and getting bats out of your home or building can be expensive!

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    Size Of The Bat Infestation & Number Of Bat Entry Points

    The size of your infestation plays the largest role in the final price. The average colony in a typical 2-story home runs $1,000 to $5,000.

    The larger the colony, the more entry point they make. The number of bat entry points increases the amount of time it takes to do a complete exclusion. Since each point requires either sealing or an exclusion device to keep them from returning, finding and setting each one up takes time.

    Costs for colony sizes & entry points include:

    • 1 bat with a single entry point: $100-$300
    • 2-50 bats with multiple entry points: $300-$1,500
    • 50-200+ bats and multiple entries: $1,500-$8,000
    Got Guano? Let a Pro Get Rid of It.

    Water Damage Mold Cleanup Should You Use A Pro Or Diy

    Does Homeowners Insurance Cover Bat Damage

    Mold cleanup is something that you need to take serious. Whether mold is a result of water damage, a sewer backup, or overland basement flooding, how you approach cleanup will depend on a number of factors.

    The first thing you need to do if you find mold is determine the size of the issue. A small areas of mold can be cleaned up by you, however, a larger presence should be handed by a professional mold remediation company.

    The US Environmental Protection Agency explains :

    Who should do the cleanup depends on a number of factors. One consideration is the size of the mold problem. If the moldy area is less than about 10 square feet , in most cases, you can handle the job yourself.

    Other things to consider when determining whether or not to use a professional are :

    • Where Is The Mold? : If its near a HVAC unit and could have gotten into the system, call a professional.
    • What Is The Source Of The Mold? : If the mold is a result of sewer backup or potentially contaminated water, a professional is your best option.

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    Is It Difficult To Rid Bats From The Home

    No one wants to shell out for bat removal, but fortunately, the process isnt too involved. Bats tend to drift towards older homes since they have an abundance of entry points. Loose roofs, attic windows, and warped materials make great havens for bat colonies. Of course, even an updated home isnt immune to bat issues. Once you know your insurance companys stance on bat removal, youll want to contact a licensed pest professional right away.;

    Do not try to remove the bats by yourself. With bats come mites and bat bugs which can cause serious health complications. Not to mention, where there are bats, there are droppings. Droppings should be sanitized and disposed of. Since bats are threatened, it is always best to trust a removal professional, not an exterminator.;

    When The Bat Damage Is Caused Over Time

    As mentioned earlier, one of the biggest threats of a bat entering your home is their guano. Over time, guano can build up to form a smelly, sticky slime that is not only difficult to remove from the home, but can also leave a stench even after itâs gone. This stench can also be classified as a âpollutionâ which may be excluded from coverage in your policy. If the bats entered your home through holes in the roof that you knew about but didnât fix, your claims are also likely to be denied, since the bat infestation was caused by neglect or poor maintenance.

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    Does Homeowners Insurance Cover Damage From Bats

    Bats living in your home can damage your house with foul odors and stains. However, bats are less likely to cause damage by gnawing or chewing. If you see teeth marks, it may be more likely that you have a problem with mice, rats, or squirrels. Learn how to spot the signs of other pest problems.

    Generally speaking, damage from bats isnt covered by your homeowners insurance. Thats because pest infestations are considered a home maintenance issue, since the damage is gradual as opposed to a sudden event, like your neighbors tree falling on your roof. An Erie Insurance agent can help you understand what your insurance does cover. Talk to your local agent;to ask questions or get a customized;homeowners insurance;quote.

    Attic Restoration And Homeowners Insurance

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    by Bat Removal Pro | Jun 14, 2017 | Insurance Coverage, Attic Cleanup, Wildlife Service |

    Attic Cleanup can sometimes be a real drag, but it needs to get done. Insurance MIGHT be willing to lend a hand.

    Anyone whos experienced in this trade will tell you; attic cleanup isnt cheap, especially with hazardous material in the attic such as bat guano or raccoon feces. In most circumstances, everyday people will not have 5-10K laying around to have their attic restored. That is where home insurance will be considered by homeowners, largely to cover the expense. However, not all insurance companies will cover this, especially if the damages are related to wildlife droppings.

    This is a real mess. Bat Guano Cleanup In Saint Louis Missouri.

    Why People Have No Choice Besides Attic Cleanup.

    The attic is often easy to forget about as it sits above your ceiling and out of sight, but its very unwise to neglect your attic when theres an animal feces issue at hand. It needs to get done, no matter the inconvenience in a cost or theoretical headache. Droppings can transmit extremely harmful disease when it builds up. Theres really no choice but cleanup. On top of having the attic cleaned, pest eviction is also necessary, which can result in a barrage of unexpected prevention costs. This also encourages people to use insurance.

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