If you own a home in an area that’s a little outside of town, near mountains or a forest perhaps, you’re probably aware that wild animals pose an issue. You’re probably also aware that the damage these wild critters can cause your home can be considerable. For example, people living near mountains as well as state and national parks in Southern California have to be on the lookout for bears during certain months of the year. Bears looking for food have been known to rip open flimsy garage doors or smash their way through screens and sliders with ease. It may seem far-fetched, but in some areas, it happens almost every year.
When and if a home incurs damage from a wild animal, many home insurance policies will cover the damages so long as the animal isn’t a rodent (rats and mice). Therefore, if an animal such as an opossum, raccoon, bird, bear or mountain lion damages your home, your homeowners insurance policy may cover the damages.
For a home insurance policy to cover damage caused by a wild animal, it’s important that the damage stems from a single, identifiable event. If the damage accrues slowly over a period of time in which something could have conceivably been done to mitigate the damage, homeowners insurance probably won’t cover it.
It’s good to keep in mind that while many home insurance policies do cover damages from wild animals, not all of them will. If you live in an area that’s known to have wild animals come through from time-to-time, it would be wise to consult your insurance agent about whether or not your policy covers that type of damage, and if not, how to buy homeowners insurance that does.