Attic Restoration Long Island, New York - If the attic of your Nassau County, Long Island home, or business has been inhabited by wildlife, attic restoration is a key component to a complete wildlife control resolution. Attic restoration is the process of restoring your attic to its original condition, prior to it being inhabited by wildlife. Attic restoration involves the removal of animal feces, attic sanitizing and deodorizing. Attic restoration also involves the replacement of contaminated insulation and the repair of gnawed electrical wires and damaged central air conditioning ductwork.
Most animals in an attic will leave behind a great deal of Biohazardous waste, not to mention ectoparasites, including mites and fleas. Nassau County Animal Removal Services offers Long Island pest control exterminating services to rid your premises of fleas and mites brought in by your unwelcome wildlife guests. If you have had animals in the attic of your Nassau County, Long Island home or business, the animal’s scent, or odor in your attic will act to attract other wildlife to seek refuge in the attic. The animal droppings and urine can act as a vector for disease transmission and a place for the growth of mold. Raccoon feces contains raccoon roundworm eggs that can be transmitted to you and your pets and in several cases has resulted in death. Therefore, the removal of wildlife from an attic should always be followed by an attic cleanup to both decontaminate and get rid of the scent of the animals. Our licensed contractors, who follow strict remediation protocols will inspect your attic and provide you with a free estimate for attic cleanup and restoration services.
Does Homeowners Insurance Pay for Attic Cleanups and Restorations?
Most homeowner’s policies in the United States are called all-risk insurance policies, and the homeowner would reasonably assume that means they are covered for all risks, but that is not always the case. Generally, rodent removal and the damage that they cause are not covered by most homeowners insurance policies. Rodents would include mice, rats and squirrels. Most insurance companies cover attic cleanups, when the damage is caused by raccoons, bats, or opossums. However, some homeowners insurance companies will deny claims resulting from these wild animals. A homeowner received a denial letter from their insurer stating that the accumulation of bat guano in their attic was predictable, so it was not a sudden and accidental loss that would be covered under the policy. The policy also had a vermin exclusion clause. Vermin are birds and wild mammals that are considered to be harmful to crops, farm animals, or game, or that carry disease. So, a vermin exclusion clause in a homeowners insurance policy could be used to deny any claim resulting from damage caused by wildlife. Insurance experts and consumer advocates say there is a trend in the insurance industry called, “Exclusions Gone Wild”. They are seeing more and more situations where insurers are saying, “We do not cover that anymore”. The growing trend toward exclusions and more court decisions that favor insurers, means homeowners need to shop carefully for homeowners insurance. Insurance companies are providing less coverage to reduce their costs and keep premiums down.
Will My Homeowners Insurance Cover the Damage Done by Raccoons?
Insurance, raccoon damage, and getting it all covered by your insurance company can be an overwhelming experience. Our biohazardous waste cleanup contractors have many years of experience in handling insurance claims and have been successful at helping our customers receive the coverage that they deserve. Our contractors work closely with insurance adjusters to minimize out of pocket expenses by Long Island homeowners.
