The things that can go wrong for home owners are numerous and your insurance company is there for you. But in some cases the types of losses that can occur fall outside the realm of coverage. For example:

According to the Insurance Information Institute, most pest infestations (and the damages accompanying them), 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.

Often times, but not in very case, claims that result from a loss that can be described as a process rather than an event are not covered. For example, A bat infestation does not happen over night it typically takes time for this to occur which means it is a maintenance issue rather than an "event" such as a lightnening strike, fire or tree falling. Therefore,rodents in general are viewed by most carriers as maintenance issues and therefore are excluded in regard to coverages.

On the other hand if your neighbors goats infest your home while you are away on vacation it is covered since goats are not considered pest. This is an actual claim we had in our agency several years back.

The best solution it to call us if you have questions regarding coverages when you have a loss so that we can help you better understand your policy. Better yet, schedule a "Policy Review" by contacting our office at 276-546-1311 anytime.

See you at the office,
James Miller

Posted 1:56 PM  View Comments

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