Damage caused by rats can hurt a household
significantly. Rats can endanger your health and
damage the materials on your house. Rats can
damage floors, roofs, attics and basements.
A large number of people gets tricked, every
year, into buying a property that is already
infested with rats. Even though that people
involved in such a shady transaction are
considered to be legally responsible for damages
that could emerge later, homeowners are, most
often, left to handle the expenses of fixing the
damage that rats have caused on their homes, all
by themselves.
The damage rats can cause can be overwhelmingly
expensive, and more and more homeowners seek the
help of their insurance to cover the costs of
repairing the damage.
Rats are capable of chewing through walls and
damaging electrical wiring. Rat feces can also
damage floors and walls, and proper sanitation
after rat removal could be quite costly.
For all of these reasons, you might want your
insurance to handle the costs of fixing the
damage rats have caused. However, you will most
likely never be able to get a satisfactory
answer from your insurance provider. But, why is
that?
In the eyes of insurance providers, homeowners
themselves are responsible for maintaining their
properties and protecting them from pest
invasion. Homeowners are expected to maintain
proper hygiene of the property to avoid
attracting pests. Homeowners are also expected
to properly maintain properties and not allow
any pests to gain access to their home. Last,
but not the least, homeowners are expected to
handle the pest removal on their own.
But, isn’t there just any chance to claim
insurance for damage caused by rats? In some
cases, insurance providers might find that the
homeowner wasn’t responsible for the
infestation, and make a decision in their favor.
But, how this happens?
In case that you have bought your home recently,
and that it was already infested with rats,
everyone involved in your purchase is considered
legally responsible for the damage you were
caused. For this reason, insurance providers,
although less likely, sometimes make an
exception. However, chances for that are quite
slim. Therefore, it is recommended to inspect,
very carefully, the estate you are planning on
buying. It is nowhere unusual for the interested
clients to hire the pest control expert to
inspect the property. This is, by far, a very
smart investment, which could prove to be
valuable in the years to come.
Carefully inspect the circumstances that have
led to your damages, and seek information about
laws and regulations on this matter in your own
state. Even though years could have passed since
you have initially bought your estate, depending
on the time that original infestation occurred,
you might be able to get some help with solving
your problem.
Go back to the How to get
rid of rats home page.
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