The week before Christmas my family and I returned home from a weekend at the lake to find Mr. Squirrel nestled comfortably on top of our living room couch. He was gazing outside into the yard - probably thinking of the old life he used to live in the wild after spending his weekend warm and safe inside of our home! Now the pictures below may tell you a different story because, as you can see, he clearly wanted OUT of our house. We had significant damage to most of our trim as well as furniture and drapery. See for yourself....
And here is Mr. Squirrel himself:
I am still not 100% sure how he got in - but what I do know is that Mr. Squirrel owes me a couple $1,000.
"But won't your insurance kick in?" you may be asking....
While damage caused by most wild animals to your home (Dwelling) may be covered by a homeowners insurance policy, there are limitations for some classes of the little creatures. There are specific exclusions for Birds, Rodents, and Insects – including all animals owned or kept by the insured. A typical homeowners policy excludes damage caused by any animal to your Personal Property but some policy forms are broader for Personal Property and mirror the Dwelling coverage language.
For our little house guest, all rodents are mammals but not all mammals are rodents. This guy falls in the rodent class.
As a side note - No animals were injured in the making of this story, we got Mr. Squirrel out of the house safely with the help of a broom and a pathway made of dining room chairs.
If you have any questions or concerns regarding your Homeowners Insurance – call me 708.293.5500.