Homeowners insurance provides you an inexpensive and efficient method of protecting your investment. Just like the other damages that are caused by pests such as termites, your home insurance policy will not cover the damages caused by Fayetteville rodents. This is because the damages that they can cause are considered preventable. This means that the rodent damages could’ve been avoided if you’ve only conducted the appropriate pest management.



How to Know If You Are Protected Against North Carolina Rodent Damages
Based on the standard home policy, you can be protected if the damages happened during a single and identifiable event. Usually the long-term and recurring damages that are caused by the rodents will be excluded from your home insurance.

Carefully Read the Insurance Policy
The standard home insurance policy is consists of around 50 pages and may include legal terms that you may not understand. However, it is necessary that you understand all aspects and clause of the policy. Whether you want to avail a HO-2 or HO-1 policy, it is the responsibility of the insurance agent to explain the events that will be covered by the policy. If you have a special home insurance policy, the different types of perils that will be covered will be enumerated. When the event is not specifically discussed, this means that you may not file a claim for the damages.

Check the Floaters Included in the Policy
While it is uncommon for the home insurance policy to cover the damages caused by the rodents, there might be some coverage that are accessible in the floaters. These can be purchased at an additional cost. Floaters specify the type of events that will be covered. You need to make sure that you completely understand the coverage that is provided in the floater.

Talk to the Insurance Company
Your home insurance policy will not always cover the damages that your house has incurred from a Fayetteville rodent infestation since the damages will be related to lack of maintenance and care. For instance, the company will not cover the rat infestation that is happening in your attic. This means that they will not cover the cost of hiring the pest removal company. They will also not pay for the cost of hiring professional cleaner. On the other hand, if the rodent chewed your wire that lead to fire, the damages that are caused by the fire will be covered under the policy. If you are aware about the rodent infestation before the fire has occurred, then the insurance might deny your claim.

Since the insurance policy will include legal and complex terms, you might need the assistance of the experts to understand the content of your home insurance policy. You need to discuss the things that you can’t understand to your agent to be aware on the things that will be covered or not. If possible, you should consider the riders that are attached with the policy that will specifically identify the things that will be protected.

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