Monthly Archive February 24, 2022

Birds are super-spreaders of diseases because they travel over large distances, and their bodies are hosts to infectious diseases. Birds such as pigeons, sparrows, crows, and seagulls nest on our buildings, eat our food, and live in our backyards, school, buildings and parks. These birds pose a momentous health risks mainly spreading it through their droppings. Bird poop is full of diseases and pass it on to humans through poop contaminates in food and water sources. Believe it or not, fecal dust from their poop can infect us. When dried droppings are disturbed, microscopic pieces break off and float into the air. This floating poop is in the air so we breath it, we consume it and we get direct contact with it.  

Do Birds Spread Disease?

https://www.linkedin.com/pulse/do-birds-spread-disease-randy-bilesky/?published=t

Pest control is considered regular maintenance, like normal wear and tear of your home, and your home insurance policy won’t cover it. If you notice droppings from rodents, sounds in your attic or crawl space or gnaw marks on garbage bins, its best to hire a pest control company. Pests can cause major damage to your home such as chewing through an electrical wires that can start a fire, or carpenter ants that build nests in the walls causing mold and structural damage. If your insurance company finds the source of the fire or damaged structural components was due to negligence, your insurer could reject your claim.

Preventable damage is damage that occur over time and can be avoided by pre-emptive action. This can be a large Douglas-fir or Hemlock tree root slowly growing under or through your foundation, or raccoons living in your attic. So when you see the risk of pest damage in advance and take action to prevent the damage but if you don’t do anything then your insurance companies will likely deny coverage. Unexpected damage is when a homeowner performing reasonable maintenance doesn’t anticipate the damage. For example, damage from a storm allows pests to enter your home and cause damage, this would qualify but not if combined with preventable pest damage. If rats get into your attic and cause all kinds of damage, your insurance wont cover that damage but it will cover fire damage caused by a rat chewing threw fire causing said fire.  

Pests and Home Insurance – Preventable and Unexpected Damage

https://gogreenpestcontrol.ca/pests-and-home-i…nexpected-damage/

https://www.linkedin.com/pulse/pests-home-insurance-preventable-unexpected-damage-randy-bilesky/?published=t

Preventable pest damage plays a significant role in whether or not pest damage is covered by your homeowners insurance. This is the fundamental position that your insurance company takes when denying coverage. Preventable damage is damage that takes pre-emptive actions or repairing damage that occur over time. For instance, cracks in the foundation getting wider as the house settles, carpenter ants nesting in wet or moldy siding, and squirrels chewing through soffit material and nesting in the attic. So, your insurer assumes that you can see the hazard of pest damage in advance and get it fixed. Check your policy details to confirm what the exceptions are.

 Homeowners Insurance and Preventable Pest Damage

https://gogreenpestcontrol.ca/homeowners-insur…able-pest-damage/

https://www.linkedin.com/pulse/homeowners-insurance-preventable-pest-damage-randy-bilesky/?published=t

Homeowners insurance policies are not cut and dry when it comes to pest issues and the damage they can do to your property. Basically, insurance companies don’t cover the damage caused by pests and the removal of pests or their bodies, dropping or urine. So the quick answer is  “no” to the damage from rodent, ant, termite, bed bugs and the list goes on. Most insurance companies see pest issues a result of meagre upkeep – poor maintenance. Two terms that play a significant role in whether or not pest damage is covered by insurance is it preventable damage and unexpected damage.

Pest Preventable and Unexpected Damage  – Will  Your Homeowners Insurance Cover them.

https://gogreenpestcontrol.ca/pest-preventable…rance-cover-them/

https://www.linkedin.com/pulse/pest-preventable-unexpected-damage-your-homeowners-cover-bilesky/?published=t

Damage to your home from insects, rats, mice, squirrels, skunks, birds and raccoons birds is usually not covered by a standard homeowners policy (although a window broken by a bird may be an exception).  But, unexpected damage can be covered in homeowners insurance policies, even if it was related to a pest infestation. Regular maintenance can help reduce the risk of a pest infestation in your home.

https://gogreenpestcontrol.ca/does-your-home-o…er-rodent-damage/

Does Your Home Owner Insurance Cover Rodent Damage?

https://www.linkedin.com/pulse/does-your-home-owner-insurance-cover-rodent-damage-randy-bilesky/?published=t

Some termite species can grow into a colony of ½ million strong and most homeowners are not aware of the physical signs of a devastating termite infestation. Termites will inflict chaos on your wood structures causing wood surfaces to feel soft and or hollow, – there may be termites loitering inside, chowing through the wood. Damaged paint or visible frass (fecal matter of termites)  may be seen around your home, if you notice one or more of these signs, contact us. Preventing a termite infestation is a matter of reducing the moisture around, under, and inside your house.

Termite Damage ?

https://www.linkedin.com/pulse/termite-damage-randy-bilesky/?published=t