Does homeowner's insurance cover damages caused by birds?

When of wild animal gets into your home, they can do a lot of damage. This is especially true when you are talking about animals like birds. It's not just that these animals create big messes with the nests that they make or by their shedding of feathers, but it is the massive amount of feces and urine that they leave on the floor of your attic, inside your walls, or in other areas of your home. Add to it the fact that these animals usually travel and live in large groups together and it is easy to see how they can create a lot of damage inside your home. Even a dozen birds inside your attic for a few weeks period of time can leave a significant amount of waste that can lead to mold, mildew, and other issues that can destroy the foundation of your home. It is a serious issue for sure.

When you come upon an issue like this your first action is to get rid of the birds. Then, you need to start working on the cleanup. If it has just been a couple of birds and they have been in their short period of time, then the work ahead of you can be small. However, when you have a large number of birds in your home they can cause a significant amount of damage. Not only will they peck against wood and other materials inside your house, but they can tear up items you have stored in your attic, destroy or ruin insulation, and cause mold and mildew to build up within the walls of your home.

Believe it or not, these birds can cause a significant amount of damage to the point that it can be quite costly, maybe even in the thousands of dollars. This may make you wonder if your homeowner's insurance will pay for damage caused by pigeons? No one can say for sure if your insurance will cover this or not, but the vast majority of insurance companies include this as part of your policy. This is especially true if you live in areas where pigeons are known to cause damage to homes, because the insurance company includes it out of a likely scenario playing out.

The amount of coverage provided by the insurance company will be dependent upon your policy and the deductible. The very best thing that you can do is to check your policy to see what is covered and to what degree it is covered. If you do not have coverage for problems like this, and you are aware that people have had issues with pigeons coming around and destroying their home, then it may be time to add this as an additional piece to your insurance policy. The last thing you want to occur is for some serious damage to happen and you don't have coverage for it. You are likely to find that the addition of this kind of coverage is minimal in cost, making it a worthwhile investment.

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