Squirrel Damage to Electrical Wiring Not Covered By Insurance

We recently had a power surge and our TVs were smoking. We had an electrician come to the house, who immediately called the electric company. They found damage on our outside wires from the pole to the house. They said it was caused by squirrels. We lost two TVs, a dishwasher, computer, and other items.


The electric company is claiming it is not their fault and the insurance company says it is not responsible due to damage caused by a rodent. Can anyone help me with this? We have already paid out over $3000 for repairs and new items. Thanks.

By Anne from MO

August 5, 20100 found this helpful

Your agent should have advised you that you need to have form HO3 Homeowners policy to cover any damage done by any animals. You probably have only HO2 coverage. There are different kinds of policies. HO3 doesn't cost that much more really if I remember correctly.

I have always paid the additional charge for the additional coverage.

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August 7, 20100 found this helpful

As Lamico said.

Also, you need to update what you have in an insurance policy before you have a situation that needs using it. Make sure you have the flooding policy, whether is is from sewer or outdoor sewer or river/street flooding. With the flooding around the county that we never used to have, it is something we should all carry.

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