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Key Takeaways
- Certain homeowners insurance policies might still cover unexpected damage caused by animals, as long as it’s sudden and not due to neglect.
- Damage from pests and vermin, such as squirrels or raccoons, is usually not covered due to its preventable nature.
- Review your insurance policy for specific clauses about animal damage to ensure you know what is covered.
- After identifying roof damage, promptly document the damage and contact your insurer for guidance on filing a claim.
- At Apex Restoration & Roofing, our team responds quickly to sudden roofing issues, preventing minor damage from turning into costly repairs.
Animal-Related Roof Damage
Many homeowners might be surprised to learn just how many animals can pose a threat to their roofs. These animals range from large wildlife to smaller pests. For example:
- Birds: Birds like woodpeckers and pigeons can peck at roofing materials or create nests in gutters, leading to water damage.
- Squirrels: Known for their ability to chew through wood and shingles, squirrels can create entry points for water and other pests.
- Raccoons: These nocturnal animals can tear through shingles and underlayment in search of shelter or food.
- Bats: While bats themselves might not cause direct damage, their droppings can lead to structural issues over time.
- Deer: In rural areas, deer might accidentally damage roofs by brushing against eaves or gutters.
Unfortunately, your insurance doesn’t cover all types of roof damage caused by these animals, but below we’ll have a look at the options available to you.
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Insurance Coverage Basics
- Sudden and Accidental Damage: Most standard homeowners insurance policies cover sudden and accidental damage. This means if a deer runs into your roof, causing immediate damage, your policy may cover the repairs.
- Preventable Damage: Damage caused by pests or vermin, like squirrels, is typically considered preventable. As a result, it’s usually excluded from standard coverage.
- Specific Animal Coverage: Some policies may offer additional coverage for specific animals or situations. Reviewing your policy can provide clarity on what is included.
Coverage Against Large Animals
While it’s uncommon for large animals like bears or deer to directly damage roofs—especially in multi-story homes—some insurance policies may still offer coverage for sudden, accidental damage caused by wildlife.
More common scenarios include raccoons, squirrels, or birds nesting in the attic or damaging roofing materials, which could be covered depending on your policy and the nature of the damage.
Document the incident thoroughly and report it to your insurer as soon as possible to ensure a smooth claims process.
Steps to Take After Damage Occurs
Initial Assessment
First, conduct a thorough initial assessment of the damage. Safety is your priority, so if the roof is unsafe, avoid climbing up and instead inspect it from the ground with binoculars. Next, look for visible signs of damage, such as missing shingles, holes, or debris.
You’ll also need to check inside your home for water leaks or stains on ceilings and walls, as these can indicate roof damage.
Documenting Damage
Once you’ve assessed the damage, document it thoroughly. Take clear, detailed photos of all affected areas from multiple angles. This includes any interior damage, like water stains or damaged belongings. Make notes about the extent of the damage and any potential animal activity you observe, such as nests or droppings.
Contacting Your Insurer
After documenting the damage, contact your insurance company as soon as possible. Provide them with a detailed account of the damage, including your photos and notes. Most importantly, ask them about the next steps in filing a claim. They may send an adjuster to inspect the damage, so be prepared to discuss your documentation and any preventive measures you’ve taken.
It’s also a good idea to keep a record of all communications with your insurer, including dates and times of phone calls and the names of any representatives you speak with. This can be helpful if any issues arise during the claims process.
Preventative Measures
Animal Deterrents
- Install Mesh or Wire: Place mesh or wire around vulnerable areas, such as vents and chimneys, to prevent animals from entering.
- Use Repellents: Apply natural repellents, like peppermint oil, around your roof to deter animals. These are safe and effective in keeping pests away.
- Trim Trees: Keep trees trimmed away from your roof to eliminate easy access for climbing animals like squirrels and raccoons.
- Secure Trash: Ensure that trash bins are securely closed and stored away from the house to avoid attracting animals.
Routine Roof Maintenance
- Regular Inspections: Conduct routine inspections of your roof, especially after storms or high winds, to identify and repair any potential vulnerabilities.
- Clean Gutters: Keep gutters clean and clear of debris to prevent blockages and water overflow, which can weaken the roof’s edge.
- Repair Damage Promptly: Address any minor damage promptly, such as missing shingles or small leaks, to prevent it from worsening.
Policy Evaluation Tips
Checking Existing Coverage
Pay attention to the sections of your policy that detail what types of damage are covered and any exclusions. This will often be found in the dwelling coverage or personal property sections.
Most importantly, look for specific language about animal-related damage. Some policies may cover damage caused by larger animals but exclude damage caused by pests such as squirrels or raccoons.
Discussing Adjustments
If you find that your current policy doesn’t adequately cover potential animal-related risks, it might be time to discuss adjustments with your insurer. Start by contacting your insurance agent to find additional coverage options or endorsements that can be added to your policy.
Besides that, consider the specific risks in your area. If you’re in a region with a high population of certain wildlife, like raccoons or birds, it may be wise to seek coverage that addresses these specific threats. Your insurer can guide you on the best options available and help ensure your home is adequately protected.
Repair Your Roof With Apex
- Expert Storm Damage Restoration – We specialize in repairing roofs damaged by hail, wind, and heavy snow, ensuring your home stays protected against Colorado’s harsh weather.
- Fast & Reliable Emergency Repairs – Our team is available 24/7 to quickly assess damage and provide immediate solutions to prevent further issues like leaks or structural damage.
- Seamless Insurance Claim Assistance – We work directly with your insurance company to streamline the claims process, making it easier for you to get the coverage you need.
Do you need to investigate your roof for possible animal-related damage? Reach out to us for a free quote and learn more about what we can do to help you.
Frequently Asked Questions
Does standard homeowners insurance cover squirrel damage?
Typically, standard homeowners insurance does not cover damage caused by squirrels. Insurance companies often categorize squirrel damage as preventable, so it usually falls under maintenance issues rather than sudden and accidental damage. However, it’s always best to check your specific policy or consult with your insurance agent for detailed information.
What does insurance usually consider as a large animal?
In insurance terms, “large animals” may refer to wildlife like raccoons, opossums, or large birds such as hawks or turkeys; basically, animals that are more likely to come into contact with homes. While less common, some policies may address sudden, accidental damage caused by wildlife, depending on the specifics of the incident and your coverage.
Can a pest control service affect my insurance coverage?
Using a pest control service can positively affect your insurance coverage by demonstrating that you’ve taken proactive measures to prevent damage. Insurance companies may view this as responsible maintenance, which could support your claim if damage occurs. Be sure to keep records of pest control services and any recommendations they provide.
How can Apex help with my roof repair insurance claim in Colorado?
Apex Restoration & Roofing works directly with your insurance company to simplify the claims process, ensuring you get the coverage you need for applicable repairs. In addition, our team responds quickly to urgent roofing issues to help prevent further damage to your home.
