Rodents may be small, but the damage they can cause to your home is anything but minor. From chewed wires to ruined insulation, these pests can wreak havoc on your property. If you’re a homeowner in Biloxi, LA, understanding how home insurance applies to rodent damage is crucial for protecting your investment.
Does Home Insurance Cover Rodent Damage?
One of the most common questions homeowners ask is whether their insurance policy will cover damage caused by rodents. Unfortunately, most standard home insurance policies exclude coverage for damage caused by pests, including rodents. This is because infestations are typically considered preventable through regular maintenance and inspections.
However, there are exceptions. If rodent damage leads to a secondary issue, such as a fire caused by chewed electrical wires, your policy may cover the resulting damage. It’s important to review your policy carefully and consult with Maxsoe Insurance Service to understand your specific coverage.
How to Protect Your Home from Rodent Damage
Biloxi’s warm and humid climate makes it an attractive environment for rodents, especially during cooler months when they seek shelter indoors. To minimize the risk of damage, homeowners should:
- Seal cracks and gaps in walls, doors, and windows to prevent entry.
- Store food in airtight containers to avoid attracting pests.
- Schedule regular pest inspections to catch infestations early.
- Keep your yard clean and free of debris where rodents might nest.
Get Expert Advice from Maxsoe Insurance Service
While home insurance may not cover all types of rodent damage, it’s still an essential safety net for unexpected events. Maxsoe Insurance Service is here to help Biloxi homeowners navigate their policies and find the best coverage for their needs. Contact us today or visit Maxsoe Insurance Service to learn more about protecting your home.