No, in most cases homeowner insurance does not protect against bat damage. This is the case because bat damage is considered preventable. However, it is important to check with the insurance company, so make sure to contact an insurance representative if something can be worked out. The reason why this is not protected as well is that these bats can stay in the house knowingly. Some policies even have a separate stipulation that specifies that if the break-in was the bat’s fault, the damage will not be paid out making it harder to make a case for it.
In any case, the specifics should be discussed with the insurance company.
There are common damages associated with bats
Bats love warmth and darkness and therefore most bats will stay in the attic because it mimics the environment of the caves or caverns that they roost in. If you have insulation, chances are that this insulation will be damaged, no doubt. Attic insulation can come pricy since installing and the material can accost for a lot.
The longer a bat stays in the attic, the longer it will be a risk for homeowners. The attic is already poorly ventilated depending on the maintenance and work done. In general, a potent mix of feces and urine cannot be all that great. Attic floors are porous, so you have the risk of these substances seeping through the flooring.
Soffit and roof damage
Bats often find themselves in attics and that is just not simply by letting themselves in peacefully, but by using brute force. Big holes and busted open soffits are usually the entry points of these bats which can cost homeowners thousands of dollars in repairs and restoration. There are also bats that will take advantage of very small holes around the building and find themselves inside. Bats can repeatedly come back depending on the season where the damage over time can be even greater.
Bat damage can greatly put financial stress on the homeowner and professional bat services such as Bat Control should be immediately consulted to remove the bat from the premises.
Additional consultation with the insurance company is recommended as coverage is heavily dependent on the circumstances. Bat control specialists can use proven techniques and methods to get the bat out that comply with federal rules. The technicians conduct interior and exterior inspections to make sure they locate the entry points and then mount a Bat Cone on it. It is a humane and guaranteed way to get the bats out! To hire us, call us!