Will insurance cover or reimburse for hotel stay while my house has work done on it due to raccoon damage?

UPDATED: Jan 9, 2014

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UPDATED: Jan 9, 2014Fact Checked

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: Jan 9, 2014

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

UPDATED: Jan 9, 2014

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

UPDATED: Jan 9, 2014Fact Checked

The homeowner insurance policy has some damages that are not a covered loss. Damages by vermin, insects and wild animals are a part of the exclusions to the policy. These types of damage are considered more a maintenance issue and not a sudden and accidental damage to the home. Maintenance issues are the responsibility of the homeowner and not the insurance company. It is unfortunate that this type of loss is not covered, but the insurance policy clearly states the items that are excluded from damage to the home. If you had an agent, they too should have pointed out that such damage is not covered.Since the damage to the home is not covered by the homeowner policy, the policy will also not reimburse you for costs to live elsewhere while the repairs are being made to the home. It is doubtful that additional costs to board the dog would have been covered either.

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

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