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Check with your Agent

You May Be Covered Under Your

"Home Owner's Policy"

 

Some insurance companies may cover bat exclusions, since they are not rodents. Most homeowners policies will not cover any rodent damage or removal, but since bats are not rodents contacting your agent prior to an exclusion is suggested. Oddly enough, we have found many insurance companies will not cover the exclusion cost, but will cover the guano removal and clean-up program. The good news is, insurance companies will often pay for some, if not all, of the costs incurred to get rid of bats. Also, damage incurred by raccoons or other wildlife may be covered, again contacting your agent prior to an exclusion and repair is suggested. If needed we will provide a detailed estimate for your Agent.

 

Many people in Ohio live with problems that they do not realize are potentially dangerous. People have ignored bat colonies, squirrels in the wall even raccoons in the chimney because they do not understand the potential health risks to themselves or their family Often people are under the impression that they cannot do anything about wild animals, because they are protected, well the truth is that all wildlife are protected in one form or another But then again so are people. People are also under the impression that their taxes should cover wildlife issue’s and try to depend on the local fire department or Animal Control Officers. As with any job description the removal of wildlife takes professional training and specific insurance requirements and municipal employee’s are not covered to be working on or performing services on private property, and are specifically prohibited by law from referring private sector work to themselves or each other.

 

     Most people know who to call when they see ants, cockroaches and termites crawling around, but many of these pest control professionals are not trained in wildlife damage management. The same maybe true of animal control officers, fire, police and others engaged in public safety professions. Wildlife control is best left to a professional. For their own safety, homeowners should not try to confront unwanted wildlife or attempt off-label use of household products, which is dangerous and may be illegal.

    Ohio’s general law gives property owners the right to use lawful means to destroy wildlife in the act of causing damage or threatening personal safety. The public may only address wildlife actually causing damage or posing immediate threats and may not randomly destroy wildlife as a preventive measure.

The impact of wildlife damage is enormous, but the public is largely unaware of this threat. The economic damage from all forms of wildlife damage is conservatively estimated to be about $22 billion – and that does not include illness and death resulting from interaction with dangerous wildlife. Animals like bats, raccoons, geese, mice, squirrels, beaver, skunks and other wildlife pose a potentially serious threat to personal property and public health. For example, bats are vectors of the rabies virus, which is deadly to humans, and feces from raccoons carry thousands of roundworm eggs that can be a serious health hazard.

THEREFORE PROPER EXCLUSION AND RESTORATIONS (Removal of Affected Items and Sanitization) OF AN AREA IS A MUST WHETHER COVERED BY INSURANCE OR NOT.

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