does homeowners insurance cover bat removal?

It's one thing to watch bats fly around on TV … it's another to watch them tear through your attic.

Bats aren't the most common pest problem, but they still plague plenty of homeowners. Keep in mind, however, that most bat infestations are typically considered a maintenance issue, since they usually get into your home through pre-existing holes or gaps in the roof or exterior walls.

Because of that, any home insurance claims related to maintenance issues or negligence on your part are likely going to be denied by your insurer.

In other words, most insurance companies (including Esurance) don't cover expenses directly related to bat removal. On the other hand, if bats cause sudden and accidental physical damage that's covered under your homeowners insurance, your policy could kick in to help pay for repairs — but not the removal of the bats themselves.

What you are and aren't covered for varies greatly by insurer, so it's key to speak with your insurance company to see the protections you have (and don't have) under your home policy. If you're an Esurance customer and have questions about your coverages, feel free to give us a call at 1-800-ESURANCE (1-800-378-7262) where our licensed agents are available to help at these times.

how to get rid of bats from your home

While there are many benefits of buying an older home, bats are particularly fond of old houses because they tend to have more entry points than newer homes (due to things like warped materials, loose screens, gaps or holes in the walls or roof, or flashing that's separated).

But even an updated home can fall prey to these nocturnal nuisances — bats can squeeze through holes as small as a quarter.

It's recommended that you hire a licensed pest professional if you suspect you have an active bat infestation. At the very least, you could be dealing with bat bugs or mites but more serious health implications can occur too. Not to mention, any accumulation of bat droppings should be decontaminated — not just removed.

It's important to note that bats are endangered, so it's best to call a removal specialist — not an exterminator.

are bats dangerous?

Horror movies make bats out to be vicious, blood-thirsty predators, but real-life bats are only looking for shelter when they make themselves at home in your attic. They're not entirely harmless though. The 2 greatest risks posed by bats are health-related: rabies, which is contagious, and fungi that can grow in bat droppings and cause lung problems in humans. So, if your house has a bat infestation, you should take steps to remove them.

While only a small percentage of bats actually have rabies, it's easy enough to transmit that you should still act with extreme caution. It's not just saliva that can contain rabies — any unprotected bodily contact with a bat is risky. And though bat droppings aren't too dangerous on their own, fungi found specifically in bat or bird droppings can cause histoplasmosis, a lung disease.

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