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Unfortunately, infestations are more common than you think.
Insurance companies won’t be too willing to help you clean up the bug or insect infestation. They can be hard to detect with the naked eye, and the bugs can worryingly lay from one to five eggs a day, survive for months without eating, and are prevalent in all 50 states.
Infestations are not covered under homeowners insurance, and the responsibility for clean up falls under normal home maintenance. Some homeowners insurance policies will list animals and insects in the exclusion: bats, rats, mice and other rodents, bees, termites and moths, vermin, birds, fish, reptiles, insects and spiders. Unfortunately, this leaves you with getting rid of them.
Many policies do not cover infestations because it is incredibly difficult to determine costs of damage. Bed bugs get into the fabric of your belongings while mice and termites do damage to your home structure. The different pests, factors regarding behavior, patterns and lifespan make it difficult for insurers to arrive at policy terms and values that homeowners deserve. Damage values vary widely which mean it is impossible to place a cost to protect your home and belongings.
If you find that your home recipes are not killing off the bug population, then be sure to call the exterminators, and keep your insurance company in the loop. If the bugs severely affect your property, your home will decrease in value which will affect your policy.
Keep bugs at bay by keeping your home clutter free, clean, and dry. Ensure all access points are sealed and invest in yearly extermination. If you start seeing the critters, act immediately!
Ensure that you have the home protection that you deserve! Contact All Nevada Insurance in Las Vegas, Nevada, to find quality homeowners insurance for you and your family! As an independent insurance agency, we work alongside your needs and budget to select quality coverage!
