The intent of this guide is to provide wildlife damage insurance claims information and to assist property or home owners in understanding the insurance claims process. Many homeowners are not aware that wildlife damages may be covered under most homeowners insurance policies. This guide will give you information about what animals are covered and what wildlife damages insurance companies will help you repair.
If you are reading this guide then you either already know that you have a wildlife problem or you suspect you have damages that may have been caused by wild animals. Your problem may be a recent event or it may be the result of a reoccurring wildlife issue. Whichever the situation, we recommend you take action immediately by contacting a professional wildlife control and wildlife damage restoration company. The sooner you address the wildlife problem, the less likely it is that severe property damages will occur.
THE FIRST STEP IS TO IDENTIFY YOUR PROBLEM ANIMAL: Homeowners insurance policies do not cover all animals and some policies will list excluded animals. Typically the following animals are covered; raccoons, bats, opossums and groundhogs. Rodents such as squirrels, rats and mice are normally not covered and will be excluded under a Rodent and Vermin clause in most homeowners policies.
The best way to identify your problem animal and determine if your damages may be covered by insurance is to have a certified wildlife inspection. Our AAAC certified inspectors will conduct a rooftop to foundation inspection of your property, identify your problem animal and assess any damages that they have caused to your property. We provide you with a detailed inspection report, including photographs of any wildlife damages. At that point our inspectors will advise you of their findings and if your wildlife problem potentially meets the criteria required for a wildlife damage insurance claim.
THE CHEAPEST BID: Be aware of a company that claims they can perform your wildlife damage restoration for below market value or for less than your insurance claim adjustment. In some cases your insurance company will withhold a depreciation percentage from your claim payment. This will require you to submit an affidavit and invoice for the completion of all estimated damage repairs. If the repair invoice does not meet or exceed the claim adjustment payout the insurance company may continue to withhold the depreciation amount or reduce the claim adjustment in its entirety.
We pride ourselves in completing the highest quality wildlife damage restoration for fair and equitable rates. Your insurance company will be satisfied with our services because we complete the restoration for the prices that they dictate. Most importantly, you will be happy with the quality work we have performed without extensive out-of-pocket costs.
CONCLUSION: We hope this guide has been informative and helped you during your wildlife damage problem. If you have questions or need assistance with wildlife control or wildlife damage repair, then we are always happy to help. Give us a call today and see how we can help you protect what is important; your family, your health and your home or business.
WHAT WILDLIFE DAMAGE IS COVERED BY INSURANCE? In most cases any and all damages that wildlife have caused to your property will be covered. However, the damages have to be physically from the animal. Animals frequently cause damage by forcibly entering a structure and by depositing waste in the areas they inhabit. They also cause damage to insulation by compacting it as they walk and by removing insulation for making nests. This removal and compaction of insulation reduces the R-value or effectiveness of your insulation. These are only examples of common wildlife damages and not inclusive of all damages that may be covered by your insurance policy.
AFTER THE CLAIM IS APPROVED: Once you have been notified your claim has been approved, your insurance company will issue adjustment paperwork and payment for your claim. It is our recommendation that you provide the adjustment paperwork to our wildlife damage claims specialist for review. This will allow comparison of the two estimates and correction of any major differences.
It is common for there to be slight variances in wildlife damage repair estimates and the adjustor’s estimation of repairs. This usually occurs when the adjustor does not include costs for working in a contaminated or confined work space. These discrepancies occur all the time! It’s not that the adjustors are trying to shortchange you, it’s just that there are a lot of details to doing quality wildlife restoration work! It is very easy to miss some small detail which makes a big difference. Our certified wildlife damage claims specialists will review your adjustment, negotiate if necessary and ensure you are receiving the correct payment for your wildlife damage claim.
THE SECOND STEP IS TO MAKE YOUR WILDLIFE DAMAGE CLAIM: Our AAAC certified wildlife damage inspection report will contain all the information required for you to make your claim. The report will specify the animal that has caused the damages and have an itemized estimate for the repair of damages the animals have caused to your property. Insurance companies and insurance adjusters use specialized estimating software in order to compute the market value of your damage repairs. Our inspection reports utilize the same estimating programs, reducing the processing time required for your claim.
Filing an insurance claim can be an intimidating process and dealing with claims representatives or insurance adjusters can be time consuming. Our wildlife damage claims representatives can assist you with every step of the claims process. We will work with your insurance company or adjuster and save you time and frustration. We recommend you submit our inspection report to your insurance company and ask them to contact us directly. Once we have made contact with your claim representative or the assigned adjuster we can assist them with your claim and meet with them if necessary.
Note: Some local insurance agents are not familiar with wildlife damage claims. It is our recommendation that you contact the national claims office in order to make a wildlife damage claim. Additionally some agents will inform you that animals such as raccoons, bats and opossums are excluded under the Rodent and Vermin clause. This is not true! Raccoons, bats, and opossums are not Vermin. Make the claim even if they tell you that you are not covered!
It is our recommendation that you enter into a CONTINGENCY CONTRACT/AGREEMENT with our wildlife damage restoration company. The contingency contract will do several things to protect both parties. It will inform your insurance company that you have selected a us to represent you during the claims process. It will also protect you and our restoration company in situations where the insurance company payment does not cover fair market value of estimated damage repairs. This contract will only be valid if the claim is approved and the insurance company adjustment plus the policy deductible is accepted.
THE FINAL STEP IS EXECUTING YOUR SERVICE AGREEMENT AND COMPLETING THE DAMAGE REPAIRS: Execution of the service agreement protects the interest of both our damage repair company and you the property owner. The agreement states the price for services and specifies the services to be completed under the agreement. Our service agreements also include our warranty statement for damage repairs. We offer a standard one year warranty for all of our wildlife damage repairs with an option to annually extend the warranty for a limited lifetime that you determine. Our warranty helps you protect your investment and is one of the best warranties in the wildlife control and damage repair industry.
Wildlife damage repair and restoration is not the same as a typical water or mold damage restoration. Wildlife control is dangerous and many of these wild animals can pass zoonotic diseases and ectoparasites to humans. Our restoration specialists are trained to control and mitigate the hazards associated with wildlife damage restoration projects. We utilize specialized equipment such as HEPA filtered vacuums, biohazard containment bags and industrial insulation vacuums. We also treat our restoration sites with an anti-microbial and virucide solution that attacks and neutralizes all viruses and bacteria associated with wildlife.
By Ky Wildlife Removal Specialist