Belongings Damaged In Attics

Find out the instances wherein your home insurance policy will not cover for rodent damage.

Belongings damaged in attics.

Anything that s safe to store in these rooms should still be put away in a plastic. In texas homes it s common to find water heaters in the attic. The biggest problem associated with attic storage is the potential for moisture damage. However there are instances where your policy can t cover for the damage.

Holes that the raccoon used to get inside your home will probably start letting water in and this will lead to damage or your actual possessions as well as rotting wood water dripping through the roof into the main frame of the building and mould. Holiday decorations can be damaged by the extreme heat in attics says santoro. Wood furniture our attics in phoenix can reach over 180 degrees and then drop down to 50 degrees or lower in the winter. What do they chew.

Replace any damaged wiring immediately. It might shock you to know that not all forms of water damage are covered by insurance. Just because it s common doesn t mean it s a good idea though. Those sharp little teeth that are great for cracking acorn shells are also powerful tools for chewing away at your home.

Delicate fabrics and items that are painted are particularly prone to damage when stored in the attic and plastic decorations like ornaments may melt or warp in the heat. Although homeowners insurance protects your property against weather theft and things such as fire and ice it won t cover water damage from floods sewage backup or gradual leaks but it will cover damage from a burst pipe. That s 130 degree temperature change harb said. Moisture vapor will settle into fabric promoting the growth of mold and mildew.

Regardless if the damage to property is caused by house rats beavers hamsters beavers chipmunks porcupines or squirrels you may file for an insurance claim. Squirrels can do a lot of unexpected damage to attic spaces. The most common cause of attic fires is heat from powered electrical equipment along with faulty wiring and electrical malfunction. If the house is an older construction the wiring should be thoroughly checked for signs of fraying or corrosion.

Even if there s no visible water leaks or standing pools of water high humidity levels in the attic can ruin your belongings.