pigeons in my storage unit

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 25, 2012

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Insurance Question from Denver, CO

Asked on 05/25/2012

pigeons in my storage unit I have my things in storage and pigeons have somehow gotten into the building. My things are covered in pigeon poop. Is this something that should be covered? I have insurance through State Farm

Answer given on May 25, 2012

The homeowner insurance policy has limited coverage on your personal property. The insurance is known as “named perils”, and the damages or losses covered are named in the policy. Unfortunately, damage by animals, vermin and birds is not a covered peril.Damage by animals, birds and vermin is also not covered under damges to the home itself. It is specifically excluded from the policy. This would include damages by termites, since that would be considered a maintenance issue. Homeowner insurance, whether on the home or its contents, is covered for “sudden and accidental” damages, such as a fire, vandalism, storm damage and the like. The damages you have suffered on your stored property has happened over a long period of time, plus the fact it is not listed as a covered loss for your personal property. You might try to see if the storage facility has any liability for failure to properly maintain the property to prevent such damages.

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