According to the reports, once a wild Volusia animal ended up in your property, it will probably be covered for the damages by your home insurance provider under the structure or residence protection. Let’s say the deer has invaded your garden or patio. The damages that you will incur will be covered under the residential policy. Structural coverage is meant to cover the structures that are not actually connected to your home such as the fence, garage, and the shed.



Frequently Asked Questions Related with Home Insurance and Wildlife Damages
Before going through the list of questions that may concern you, you might want to check the deductibles in your policy. This is the amount of cash that you need to pay personally before the home insurance will be activated. Coverage limit is also essential. This allows you to understand the level of protection you have in case your house will be damaged by a wild animal.

Are There Exclusions on the Home Insurance Policy that Pertains to Wildlife Damages?
While the damages that are caused by the wild Volusia County animals are often covered under the home insurance policy, it will not cover the damages that are done on your personal property. For instance, let’s say that a raccoon has destroyed your garage. The insurance company will be covering the cost of repairing or constructing the garage, but they will not cover the items that are damaged inside the garage. This means that in case expensive equipment stored in your garage has been damaged, you will have to shoulder the cost of replacing this.

How About the Exclusion on the Type of Wild Florida Animal?
Damages in your home that has been caused by insects, rodents and sometime even birds will not be covered on the standard type of home insurance policy. For it to be covered, the damages should happen during a single and identifiable event. For instance, if a rat damages the gas line in your house that lead to fire, then you will possibly be covered. There are also certain instances when you will be covered under the policy.

If the home was damaged by a huge wild animal such as bear.
In case a situation occurs that leads to an infestation. For instance, if an infested tree fell close to your house.
In case the damages occur and there is no method or way that you will be aware of it.
Basically, if you can show proof that you don’t show any sign of negligence and that the damage happens during an identifiable event, you will be protected by the insurance policy. It is also best to talk to the home insurance agent before affixing your signature on the contract to guarantee that you will be covered during wild animals’ damage. In case there is a clause that you don’t understand, never be afraid to ask. It is essential that you clarify every point, such as the company’s definition of vermin. It is important to known that the level of protection that you will receive from one company will be different from others.

Visit our Volusia County wildlife trapping home page to learn more about us.