Does Home Insurance Cover Squirrel Damage?

Home insurance policies protect against unexpected damage. Homeowners often wonder about coverage for animal damage, particularly from squirrels. Understanding this requires examining policy language and common exclusions. This article clarifies when such damage might be covered and outlines preventive measures.

Understanding Home Insurance Coverage for Animal Damage

Home insurance policies differentiate between sudden, accidental damage and damage from ongoing issues. Coverage for animal incidents depends on the “peril,” or cause, not the animal itself. For instance, if a squirrel chews through electrical wiring and causes a fire, the fire damage is likely covered under the fire peril, which is standard in most policies. If a large animal causes a tree to fall on a house, the resulting structural damage might also be covered.

Many standard homeowners’ policies are “named perils,” covering only losses specifically listed. “Open perils” or “all-risk” policies cover all damages unless explicitly excluded. Even with open perils policies, animal damage often falls under specific exclusions. The crucial factor is whether the animal’s action directly triggers a covered peril, such as a fire or water damage, rather than just causing direct property damage.

Common Exclusions for Animal Damage

Most standard homeowners’ insurance policies exclude damage from certain animals. Squirrels fall under the “rodents” or “vermin” exclusion. This means direct damage, such as chewed insulation, gnawed wooden structures, or nesting materials in attics, is not covered. These exclusions are common across the United States.

Policies often exclude gradual damage or damage from lack of maintenance. Squirrel activity, like persistent chewing or nesting, is considered gradual damage or wear and tear, which is excluded. While a fire caused by a squirrel might be covered, repairing the initial chewed wiring or structural damage from gnawing is the homeowner’s responsibility. This distinction emphasizes that direct actions of rodents and vermin, absent a secondary covered peril, are usually uninsured.

Actions After Discovering Squirrel Damage

Upon discovering squirrel damage, homeowners should ensure safety and prevent further property damage. Documenting the damage with photographs and videos provides evidence for insurance claims or future repairs. Take immediate steps to mitigate further damage, such as temporarily sealing obvious entry points. Consult qualified pest control professionals for humane animal removal and to identify all entry points. Review insurance policy documents to understand coverage and exclusions before contacting their insurer to discuss filing a claim.

Preventing Squirrel Infestations

Proactive measures reduce the risk of squirrel infestations and damage. Regularly inspect the home’s exterior for entry points. Check for gaps or openings around the roofline, eaves, vents, and foundation, sealing vulnerabilities with durable materials like wire mesh or caulk.

Maintaining the surrounding landscape also helps prevent infestations. Trim tree branches and shrubs at least six to eight feet from the house to prevent squirrels from jumping onto the roof or siding. Secure outdoor food sources, such as pet food, birdseed, and garbage, in airtight containers. Routine property maintenance, including clean gutters and repaired exterior elements, helps eliminate nesting spots and access points.