Claim of the Quarter
A client heard noises in the attic. It sounded like little scurrying footsteps so they called a Pest Control expert in to investigate. What they found…Raccoons!
Did you know that raccoons are more likely to visit in the winter and spring, but they can get inside at any time of the year. They tend to choose an attic or chimney as a safe haven to give birth. Unfortunately, they are wonderful climbers and super destructive. They chew holes in roofs, under the eaves, destroy insulation, drywall and HVAC systems. The big question for our client…Am I covered? And the answer is yes. A Standard Homeowner policy helped our client cover the repairs to their home. However, the damage to her possessions that were soiled & damaged were not covered. Fortunately, this attic was not used like some to store Christmas decorations, old photo albums, baby clothes, etc., so the uncovered portion of this claim was not significant. But we shriek at the thought if the raccoons made their way to other parts of the house.
Needless to say, it is always best to avoid a claim all together and be spared your deductible and maintain your loss free discounts. As a preventative measure, make sure your attic is sealed and inspect the space twice a year. Also, add a steel cap to your chimney top to prevent raccoons and other animals from climbing down and wreaking havoc. Keep your family, home and finances safe from loss…it is our ultimate goal.