Generally, most standard home insurance programs
will not cover vandalisms caused by animals such
as pigeons and there is no standard procedure
whereby a policy can describe all possible
damages caused by animals, thus, not all claims
relating to damages caused by pigeons will be
acceptable. Sometimes, Insurance companies
provide accidental coverage, but there is a
limit to such coverage. While most insurance
companies will not provide cover on damages
caused by pests but if you take a full
accidental coverage, your insurance company
should provide pest-damage insurance cover.
Insurance companies who don’t provide cover for
damages caused by pests would normally provide
cover for damages caused by wild animals.
Insuring your home against damages caused by pet
is important, especially when you have
aggressive breeds of such pets, however,
insuring your home against birds such as Pigeons
is quite uncommon. Aside Pigeons, other unwanted
animals such as insects can destroy some
valuable items in your home. Birds such as
Pigeons may fall from your Chimney and cause
damages to your roof, but the problem from such
pigeon invasions may not be covered even if you
have paid for any accidental damage cover on top
your general insurance premiums.
In some cases, you may be able to make claims on
your property insurance if an un-domesticated
animal cause damages to such property, for
instance pigeons flying into your door or
windows, or squirrels gnawing at your wooden
garage door frames can cause significant damages
but you must have paid extra accidental damage
cover in order to make such claims.
Most insurance companies consider damages caused
by Pigeons and other birds as maintenance issues
and that means that your insurance company
expects you to avoid such issues rather than
wait to make claims and get compensated. Your
insurance company may expect you to have
eradicated bugs and some other foods that
Pigeons eat; as such eradication will help avoid
Pigeons from causing significant damages to your
property. For this reason, you as the homeowner
is expected to pay for damages caused by pigeons
instead of your Insurance company.
While your Insurance company may not cover you
for damages caused by Pigeons, the good news is
that the company will cover you when a long term
damage such as eventual collapse of your roof ,
door or any other component. You can count on
your insurance company to help pay for repairs
on walls, doors, or floors as such damages may
be considered as accidental or sudden.
There is a long and growing exclusion lists when
it comes to getting insurance cover, and one of
such exclusion are the damages caused by pets
and other animals such as birds but it is your
duty as a home owner to sign up for an
all-inclusive insurance cover to ensure that you
are fully covered.
Go back to the How
to get rid of pigeons home page.
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