We filed a claim because we lost a neutral into our home that caused several major appliances damage now our claim has been denied ?

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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: Jul 25, 2012

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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.

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