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

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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: Jan 9, 2014

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Insurance Question from Homecroft, IN

Asked on 01/09/2014

Will insurance cover or reimburse for hotel stay while my house has work done on it due to raccoon damage? My ceilings have to be replaced and of course new insulation and clean up of raccoon mess, my insurance should cover any hotel expenses for my family since we HAVE to be out of house, 4 kids 2 adults and then my dog, so dog boarding as well?

Answer given on January 10, 2014

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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