has anyone claimed from home insurance for rodent damage?

goofy141

Hi,

We had an infestation of rats in our house which has cost us upwards of €2000 to have fixed and the work has damaged our flooring etc. The work is now completed but the floors etc will need to be replaced.

Can anyone advice if I can claim this through our home insurance?

Many thanks.

LostArt

Damage by rodents would be excluded by the insurers if I remember correctly

Sue Pa Key Pa

It would be excluded I'm afraid. For future reference, if anything happens in your home that you think you will claim for, notify your insurers before you do any work, as they will want to inspect it. The exception to this is any action necessary to minimise a loss, such as stopping a burst pipe

goofy141

Thanks so much for your responses.

Regards,

NUTLEY BOY

For interest, what would be the actual and typical exclusion wording that would take this outside the scope of policy cover ?

Would it make any difference if the OP had accidental damage cover on the property ?

Sue Pa Key Pa

NUTLEY BOY wrote: »

For interest, what would be the actual and typical exclusion wording that would take this outside the scope of policy cover ?

Would it make any difference if the OP had accidental damage cover on the property ?

It is usually along the lines of the following. It wouldn't be classed as an Accidental Damage

Excludes Loss or damage:
• caused by wear and tear or gradual
deterioration, insects, vermin, corrosion,
rot, mildew, fungus, atmospheric
conditions, the action of light, any process
of heating, drying, cleaning, decorating,
alteration or repair, misuse, faulty
workmanship or design, the use of faulty
materials, or breakdown
• caused by chewing, scratching, tearing or
fouling by domestic pets.