Will insurance cover or reimburse for hotel stay while my house has work done on it due to raccoon damage?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jan 9, 2014
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Homecroft, IN
Asked on 01/09/2014
Will insurance cover or reimburse for hotel stay while my house has work done on it due to raccoon damage? My ceilings have to be replaced and of course new insulation and clean up of raccoon mess, my insurance should cover any hotel expenses for my family since we HAVE to be out of house, 4 kids 2 adults and then my dog, so dog boarding as well?
Answer given on January 10, 2014
The homeowner insurance policy has some damages that are not a covered loss. Damages by vermin, insects and wild animals are a part of the exclusions to the policy. These types of damage are considered more a maintenance issue and not a sudden and accidental damage to the home. Maintenance issues are the responsibility of the homeowner and not the insurance company. It is unfortunate that this type of loss is not covered, but the insurance policy clearly states the items that are excluded from damage to the home. If you had an agent, they too should have pointed out that such damage is not covered.Since the damage to the home is not covered by the homeowner policy, the policy will also not reimburse you for costs to live elsewhere while the repairs are being made to the home. It is doubtful that additional costs to board the dog would have been covered either.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.