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Does Home Insurance Cover Squirrel Damage?

Last Updated: 14.07.24


There are many ways to get rid of squirrels, and it is up to you to choose the one that works best for your needs. If you’re interested in effective squirrel repellents, you can also find out more here. Even if many people consider squirrels cute and adorable little animals, they are known to be quite destructive, too. This means that squirrels can cause some serious damage to your insulation as they love nesting in it.

Also, they need to chew and they can cause some damage in the attic, too, by chewing the electrical wires. While they live in your attic, squirrels will need to do their business there as well and we can all imagine how dangerous their urine and feces can be for your health. Moreover, if you have pets that love to check the attic once in a while, it can be very dangerous for them, too.

Nowadays, people need to feel safe and protected and many have learned how to avoid some unwanted situations. But, there are times when one can be taken by surprise – it is hard to be ready for all types of situations. The damage caused by squirrels, for example, can be quite expansive and many people want to know if insurance covers their expenses.


Sudden damages

Squirrels can cause damage to your home that can make you pay thousands in repairs, and it is only normal to know exactly where you stand when it comes to your insurance. Your homeowner insurance policy will most likely have a clause which states that the damage caused by rodents is not covered if it is gradual.

This means that your insurance will cover those damages that rodents are responsible for only if they are unexpected and they happen all of a sudden. To make things a little clearer so that it is easier to understand how this clause works, we will give you an example. Let’s say that there was a huge windstorm and the door was blown away by the wind.

Then, a bunch of squirrels decided to pay you an unexpected visit and they damaged your chairs. In this situation, the insurance company will replace your chairs without being skeptical as it was something that happened all of a sudden, and it wasn’t your fault. On the other hand, there is this situation when you can spot squirrel intrusion in the attic but do nothing about it.

Squirrels are in the mood for a party and they choose your attic as their venue, and they destroy the insulation and other stuff in a matter of days. In this case, most insurance companies will not pay for the damage as you could have prevented the damage. In other words, the best way to avoid paying yourself for rodent damage is to to be extremely careful and keep them as far as possible, and also act when you spot any squirrels in your home.

Detect squirrel problems on time

We have learned that squirrels can cost you some serious money, but what you should know is that they can cost you even more if they’ve been living on your property for a long period of time. It is easy to imagine that a squirrel problem that has gone undetected for a while can prove to cause some considerable damage to your home.

Moreover, the situation can really go out of hand if the squirrel got comfortable enough on your property so that he/she started building a large nest with plenty of babies. You may notice that the exterior of your house looks quite bad – what used to be a small crevice, the squirrels managed to transform it into a big and “expansive” whole.

Also, in order to build their nests, squirrels will chew insulation in your walls and attic, and the electric wires will also be destroyed by them. So, in order to be covered by your insurance company, you will need to prove to them that your home damages have not happened over many month or years; it is your responsibility to check your property on a regular basis.

Regular maintenance of your house will make sure that no squirrels are taking over your attic, and it will allow you to detect the problems sooner. This means that the sooner you detect a squirrel, the less expensive it will be to repair the damages. Also, let’s not forget that squirrels can pose a real danger to your family’s health and that of your pets.


Squirrel damage vs. homeowner insurance

If you are one of those many people who is confused about squirrel damages and homeowner insurance, have no worries, as we will try to make things a little easier for you. We will try to help you understand how insurance claim works and when it is the right time to file a claim after certain damages occur – the clearer it is for us, the better we can handle complex situations.

Our first recommendation is to always ask for a thorough explanation about those cases when you can file a claim for wildlife damages and you should have all the animals listed one by one. This is an extremely important clause when buying an insurance product for your home, and you should be very cautious and take your time to understand everything.

When it comes to squirrels, they are known to be one of the most destructive animals that can cause damage and they can also pollute your home with their droppings. What you need to know about them regarding insurance coverage is that there are certain damages that are covered, while most of them are not.

If you are in this situation when a squirrel damaged your property and you want to submit a claim, there are two ways to do that. You can ask your insurance agent to help you – he/she can make the claim on your behalf. Or, you can take the matter into your own hands and you can contact the insurance company directly.

Avoid unnecessary cost and distress

Accidents happen, but this doesn’t mean that you shouldn’t be prepared for one and that you shouldn’t try to prevent it. If you want to keep squirrels away from your property, you should definitely set yourself some rules and try to follow them as much as possible. Some small tasks done on a regular basis can help you keep those pests far away from your premises.

You can start by sealing gaps in the skirting boards, as squirrels are very good at finding them and making them bigger. Moreover, you should manage household waste properly, so that these pesky animals don’t get tempted to pay you a visit. By taking these simple measures, you will avoid the stress of dealing with the insurance companies.

Another important aspect that you should be aware of is that there are certain insurance policies that have rather complex rules when it comes to animals. If your contents policy is with a company known for ambiguous or poor policy details, you might not be covered for damages caused by small animals such as mice, rats, and you guessed it, squirrels!

Anyhow, you are covered for any accidental damages caused by wild animals such as badgers or foxes. It can be tough to keep squirrels away from your property, especially that many councils have decided to reduce pest control making the things more complicated for you.


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September 23, 2019 at 8:07 am

So when it comes to bats would the home insurance policy rules be the same for that of squirrels and moving bats is highly restricted by law? I was wondering as they are causing issues in the roof of my neighbour.


September 23, 2019 at 10:35 am

Hi Pauline. Some insurance companies may cover bat damages on your home (your neighbors in this case). However, my advice would be to ask him/her to check his/her homeowner’s policy or to speak with his/her insurance representative.

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