does homeowners insurance cover bird damage

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A homeowners insurance policy may cover the physical damage a wild animal causes to your home or other structures on your property, but it usually does not cover animal damage to your personal property.

Does homeowners insurance cover raccoon damage?

If a raccoon causes damage to your garage or attic, homeowners insurance might assist with the cost of fixing the building. However, most of the time, damage to things you’ve kept in the attic or garage won’t be covered.

Therefore, in the event that a raccoon damages a wall, your homeowners insurance policy might assist with the cost of replacing new drywall. However, if the animal gnaws through the wiring on your lawnmower, it’s unlikely that your policy will cover the expense of having it fixed or replaced.

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does homeowners insurance cover bird damage

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What should you not say to homeowners insurance?

Avoid admitting fault or underestimating damages as this might lead to lower compensation or even denial of your claim. Honesty is crucial when dealing with an insurance adjuster, so avoid providing false information which can lead to serious consequences like claim denial or legal repercussions.

Is a bird flying into a window covered by insurance?

For example, if a deer suddenly runs through your front yard, breaking part of your fence, this may be covered by your other structures coverage. Similarly, if a large bird flies into your window and cracks it, this may be covered under your dwelling coverage.

What damage is not covered by homeowners insurance?

Many things that aren’t covered under your standard policy typically result from neglect and a failure to properly maintain the property. Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered.

Does homeowners insurance cover damage from woodpeckers?

Damage to your home or other structures from insects, rodents (for example, rats, mice, squirrels, and chipmunks) or birds is usually not covered by a standard homeowners policy (although a window broken by a bird may be an exception).