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Does Your Homeowners Policy Cover Rodent Damage?

Finding out you have rats or mice in your home can be a shock, but they’re among the most common
type of rodents around. Some home insurance policies will offer help in finding an exterminator if
you discover you have unwanted guests, but you can also do a lot to prevent it from happening in the first
place.

Home Insurance may not cover damage caused by rats and mice, though, so it’s worth taking steps to make sure they don’t take hold:

Block access
Mice and rats can fit through surprisingly small gaps, so make sure you don’t leave them any entry
points. Check around gas, electricity and water pipes and make sure all doors and windows fit securely.

Fill holes
If you do find any odd holes that could provide a way in for vermin, fill them with wire wool and
expanding foam, which you’ll find at a DIY shop. Also ask about guards for your drainpipes to stop rats
climbing up.

Don’t feed rodents
Store food in airtight containers and never leave crumbs or scraps out as they make tempting bait.
Surprisingly, chocolate is popular with mice, so don’t leave anything sweet out.

Watch your hygiene
Remove rubbish at the end of each day, and take it out to a bin well away from the house. Don’t leave
food debris around the garden, and avoid composting fish, meat or bread as they attract vermin. Wipe
up any spills, clean under your worktops and don’t leave crumbs on the floor.

Keep an eye out for signs that rodents are present
No-one wants to think about rats and mice wandering around your house, but it’s important that you
watch out for signs that they’ve visited. Any new holes should be investigated, along with damage
to skirting boards and carpets that may be caused by gnawing. You might also hear footprints, find
droppings or even see the vermin themselves, particularly late at night.

DIY treatments
If you suspect you have vermin, block nearby holes with newspaper and then check 24 hours later to
see if it’s been disturbed. Use traps or poison – which should be kept out of the reach of children or
family pets – to control the problem.

Call in the professionals
Contact your local council’s environmental health department, or call out an exterminator who can
assess the problem and then lay traps. If left untreated, rats and mice can spread disease and cause
damage to your property, so it’s important that you act quickly.

This article was provided by John Lewis Insurance which offers a range of insurance services selected by the John Lewis Partnership. These include car, life, travel, wedding, event, pet, building and contents insurance products.

  • Jerry

    Yikes.  That is scary.  I had a rodent problem with our house when we first bought it.  It leads to such stress.  We did not use your insurance to cover it, though.  We chose to take care of it on our own. 

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