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Jackpack

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Reply with quote  #1 
When it comes to insurance, is there any kind that doesn't cover animal damage? I ask because my wife's sister is buying a home near a heavily wooded area and the owner was honest and said raccoons have busted through the roof 3 times in the last 10 years. She wants to make sure she has insurance that will cover this if it happens.
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TatMan

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Reply with quote  #2 
I am not entirely sure but to me that should be covered in some form of an "act of God" type deal. Since you really can't control wild animals outside your home, just like you can't control a tree from falling in a storm, it should be covered.
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Dominick

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Reply with quote  #3 
It should be covered by most insurance agencies. I never heard of one who didn't cover damage from animals. It is usually under the same category as weather damage.
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Premature Roofer

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Reply with quote  #4 
Quote:
Originally Posted by Dominick
It should be covered by most insurance agencies. I never heard of one who didn't cover damage from animals. It is usually under the same category as weather damage.


This is what I am thinking. Just have someone call and ask. They wont charge ya for a simple question. 
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Mouse

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Reply with quote  #5 
Why wouldn't she just call someone and ask? I swear women need to make everything so difficult. lol
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Jackpack

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Reply with quote  #6 
Quote:
Originally Posted by TatMan
I am not entirely sure but to me that should be covered in some form of an "act of God" type deal. Since you really can't control wild animals outside your home, just like you can't control a tree from falling in a storm, it should be covered.


That is what I was thinking and I told her that but of course it didn't make sense. lol She ended up finding out thankfully. I don't do this kind of work. I am a ROOFER for pete's sake!
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Jackpack

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Reply with quote  #7 
Quote:
Originally Posted by Dominick
It should be covered by most insurance agencies. I never heard of one who didn't cover damage from animals. It is usually under the same category as weather damage.


Weather damage? See I wouldn't have thought to even look there. Someone else told me that. I guess you learn something new every day lol
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Jackpack

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Reply with quote  #8 
Quote:
Originally Posted by Mouse
Why wouldn't she just call someone and ask? I swear women need to make everything so difficult. lol


I agree with you completely. I was being nice cause it is my wife's sister but the woman is an airhead. She found out it is covered though when she finally CALLED haha
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kenand

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Reply with quote  #9 
The best thing to do is ask the insurance company questions. Make sure they tell you what is included and not included in your policy. If they are a reputable company, they won't have a problem answering questions.
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Reply with quote  #10 
Old but felt like it was worth saying that this is something that should be asked up front. If you have to, ask about each individual animal. Some places like to beat around the bush because they don't want you going somewhere else.
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Handy Mandy

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Reply with quote  #11 

Quote:
Originally Posted by Premature Roofer
Old but felt like it was worth saying that this is something that should be asked up front. If you have to, ask about each individual animal. Some places like to beat around the bush because they don't want you going somewhere else.


Agreed. People tend to just go with what they are told and assume. I am not sure what animal coverage would be under but it is something that needs to be discussed specially if you don't live near or in a city. 

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Jacob

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Reply with quote  #12 
http://www.homeinsurance.org/articles/damage-wild-animals-covered-homeowners-insurance-policy/

The link above kind of explains what I think you are looking for. I never really had an issue with animals myself so never thought to ask. We don't live near a park. 
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Rick Wolf

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Reply with quote  #13 
It can be called different things or be under "natural accidents and damages". That also includes weather. If you live in an area with a lot of protected wildlife, I am sure your insurance covers animal damages. 
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TopCat

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Reply with quote  #14 
My friend's house was torn up by raccoons. I guess a baby fell down the chimney and they ripped into the roof and through the ceiling of the attic. They were trying to get the baby out. This happened over the course of 4 days. He was out of town. Had a mess on his hands. Insurance only covered 50% of the damages. I did the roofing bit for him for next to nothing. I felt bad. 
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Pacman

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Reply with quote  #15 
Quote:
Originally Posted by TopCat
My friend's house was torn up by raccoons. I guess a baby fell down the chimney and they ripped into the roof and through the ceiling of the attic. They were trying to get the baby out. This happened over the course of 4 days. He was out of town. Had a mess on his hands. Insurance only covered 50% of the damages. I did the roofing bit for him for next to nothing. I felt bad. 


I know someone who had this happen to them as well only the insurance didn't cover a penny of it! I guess it depends on who you are insured by.
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