Does homeowners insurance cover wood damage and chewed wires caused by squirrels?

It depends. Here's a breakdown of how homeowners insurance typically handles squirrel damage:

Covered:

* Sudden and Accidental Damage: If squirrels suddenly cause damage, such as chewing through wires and causing a fire or chewing through structural wood leading to collapse, your homeowners insurance may cover this.

* Specified Perils: Check your policy for "perils" covered. Some policies specifically mention animal damage.

Not Covered:

* Preventative Maintenance: Damage caused by a lack of preventative measures, such as not sealing entry points, is generally not covered.

* Pre-existing Damage: If you're aware of squirrel activity and haven't addressed it, subsequent damage may not be covered.

* Normal Wear and Tear: Small amounts of gnawing or damage that doesn't impact the function of your home is considered wear and tear and usually isn't covered.

What to Do:

1. Contact your insurance agent: Discuss the specific situation with them and ask if your policy covers the damage. They can clarify the specifics of your policy and provide guidance on how to proceed.

2. Take Photos and Document the Damage: This will help support your claim.

3. Prevent Future Damage: After filing a claim, take steps to prevent future squirrel damage by sealing entry points and addressing any attractants.

Important Note: Homeowners insurance policies vary significantly. The best way to know for sure is to read your policy or contact your insurance agent.