Is Rat Damage Covered by Insurance?

If you’ve experienced property damage due to a rat infestation, you may be wondering if your homeowners insurance will cover the repairs. Here is a breakdown of the damages rats cause as well as information about whether it’s covered by your insurance provider.

Rat Damage Insurance Coverage

Unfortunately, rodent damage is typically not covered in most homeowners insurance policies. Most firms believe rat infestations are a preventable loss that could be avoided with maintenance and repair. In fact, most problems caused by nuisance wildlife, including the cost of extermination, won’t be covered by your homeowners insurance.

Common Damages Caused by Rats

While rats may seem small, the tenacious rodents can cause plenty of costly damage. Common problems caused by rats include:

1. Property Damage: Rats have incredibly strong and sharp teeth and can chew through most household materials. Wall, wire, and PVC plumbing pipe damage is common with rats and can cost hundreds to repair.

2. Food and Water Contamination: Rat feces can easily get into your food and water supply if they’re not properly sealed, causing contamination and risk of disease.

3. Disease: Rats can carry and pass on a variety of diseases through their droppings, bites, and scratches, including hantavirus, salmonella, and leptospirosis.

Effective Rat Removal Methods

To avoid property damage from rats, call the professionals at Critter Control® of Polk County. We use a four-step CritterSafe® method that is safe and effective to permanently remove rats from your property. Our process includes:

1. Inspection: Our expert technician will perform an extensive internal and external walkthrough to identify entry points and determine the size and extent of your infestation.

2. Removal: Using safe and environmentally friendly methods, we will remove all rats from your property.

3. Restoration: Any property damages caused by the rat infestation will be restored to their original condition.

4. Exclusion: Entry points are permanently sealed to prevent rats or any other critters from entering your home or business.

Professional Rat Removal in Polk County

Whether you have an existing rat infestation or want to prevent one from occurring, our team at Critter Control® of Polk County can help. Our licensed and trained technicians will quickly and safely inspect your property to strategize a plan to keep nuisance rats and other unwanted wildlife from causing an infestation. To schedule your inspection and receive a free estimate for our effective rat removal services, call Critter Control® of Polk County today at 863-204-2815.


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