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Insurance companies and raccoon damage #6252689
06/03/18 01:11 AM
06/03/18 01:11 AM
Joined: Aug 2008
Posts: 208
Northern Minnesota
W
webfootwhacker Offline OP
trapper
webfootwhacker  Offline OP
trapper
W

Joined: Aug 2008
Posts: 208
Northern Minnesota
My client got the "we don't cover that because it's rodent damage". We sll know that coons are not rodents, but does anyone have tips for how to get the company on board?

Last edited by webfootwhacker; 06/03/18 01:13 AM.
Re: Insurance companies and raccoon damage [Re: webfootwhacker] #6252845
06/03/18 06:46 AM
06/03/18 06:46 AM
Joined: Apr 2010
Posts: 95
NM
H
HD_Wildlife Offline
trapper
HD_Wildlife  Offline
trapper
H

Joined: Apr 2010
Posts: 95
NM
Whenever a client mentions trying their insurance, I always tell them, that is up to you, I will be giving you my proposal with the quote before
you reach out to them.

I've had people with bat scenarios get covered and others not by the same company. Sometimes the agent reached out to ask questions. I want
them all to know up front my costs are what I'm charging whether they get a great insurance coverage or not, just to assure my rates and costs
aren't called into question by someone thinking that since insurance was covering my bid suddenly went up.

Easy enough to explain to anyone with plenty of easy references what rodents are and what they are not. Raccoon, bat and skunk are the three
we tend to see come up in this type of confusion or misplaced identity, versus squirrels, rats, mice, etc...

If the folks really want to use their insurance and you can show clearly it is raccoon damage, they should be able to convince their agent. I've seen
people covered where I never thought they'd be covered and others had to really dig in their heels to get any coverage or a claim filed.

My .02

Good luck with it!

Justin

Re: Insurance companies and raccoon damage [Re: webfootwhacker] #6252958
06/03/18 02:09 PM
06/03/18 02:09 PM
Joined: Aug 2008
Posts: 208
Northern Minnesota
W
webfootwhacker Offline OP
trapper
webfootwhacker  Offline OP
trapper
W

Joined: Aug 2008
Posts: 208
Northern Minnesota
Thanks, HD. She was neutral on the insurance claim, but now it appears we are going to have to jack up the trailer to access the underbelly. The kitchen area drops and I can't even fit between the steel beams and the ground, let alone work.

Re: Insurance companies and raccoon damage [Re: webfootwhacker] #6254211
06/05/18 09:44 AM
06/05/18 09:44 AM
Joined: Oct 2011
Posts: 139
Schenectady, NY
E
EatenByLimestone Offline
trapper
EatenByLimestone  Offline
trapper
E

Joined: Oct 2011
Posts: 139
Schenectady, NY
The insurance company may pay for part, but not all of the claim. You may also try to enlighten them on roundworm claims that might be really expensive compared to a cleanup job.

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