We filed a claim because we lost a neutral into our home that caused several major appliances damage now our claim has been denied ?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jul 25, 2012
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 Lawrenceville, GA
Asked on 07/25/2012
We filed a claim because we lost a neutral into our home that caused several major appliances damage now our claim has been denied ? The power company says that a squirrel caused the damage to the wire and now our insurance says it won't pay our claim because a rodent caused the problem, how could we know that a squirrel had been gnawing on a wire coming from the power pole.
Answer given on August 11, 2012
Unfortunately, whether you knew a squirrel was chewing on your wiring or not, rodent damage is specifically excluded from the homeowner policy. Homeowner insurance is intended to cover for sudden and accidental damage to the home and or the contents. When there is an issue with rodents or vermin that would not normally be a sudden and accidental loss. Just like termite damage. You may not know there are termites, but it is a maintenance issue and not covered by the homeowner insurance. Usually, if the wiring issue caused a fire, the damage from the fire would be covered under the homeowner insurance. Again, the appliances would not have been covered, unless they were damaged by the fire. Any personal property would also be covered by the ensuing fire.You might see if the power company will pay for any damage, if the chewed wiring was outside of your home.
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.