pigeons in my storage unit

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: May 25, 2012

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.

Insurance Question from Denver, CO

Asked on 05/25/2012

pigeons in my storage unit I have my things in storage and pigeons have somehow gotten into the building. My things are covered in pigeon poop. Is this something that should be covered? I have insurance through State Farm

Answer given on May 25, 2012

The homeowner insurance policy has limited coverage on your personal property. The insurance is known as “named perils”, and the damages or losses covered are named in the policy. Unfortunately, damage by animals, vermin and birds is not a covered peril.Damage by animals, birds and vermin is also not covered under damges to the home itself. It is specifically excluded from the policy. This would include damages by termites, since that would be considered a maintenance issue. Homeowner insurance, whether on the home or its contents, is covered for “sudden and accidental” damages, such as a fire, vandalism, storm damage and the like. The damages you have suffered on your stored property has happened over a long period of time, plus the fact it is not listed as a covered loss for your personal property. You might try to see if the storage facility has any liability for failure to properly maintain the property to prevent such damages.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption