Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 6, 2013

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Insurance Question from Tacoma, WA

Asked on 02/06/2013

My neighbors property is a rodent haven.They are now coming into my crawl space.Should my homeowners take care of this problem? NULL

Answer given on February 06, 2013

The homeowner insurance policy is insurance protection from “sudden and accidental losses”. It does not cover you for damage due to rodents, termites or similar losses. It is intended to protect you from sudden losses such as a fire, tornado, windstorm, hail, theft. It also provides liability coverage for you in the event you cause an injury to another person. It is not a maintenance policy, which would be the problem you are experiencing.You should contact an exterminator to find a way to keep the rodents out of your home. You might also contct the city officials to see if they can do anything to abate the problem from your neighbors. The neighbors should keep up their property in a proper manner to avoid any problems from their residence spilling over into your home. The neighbors on the other side of them may also be having a problem and may be willing to work with you on obtaining help from your city or town.


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