Does Insurance Cover Attic Insulation?
A Simple Guide to Better Insulation
What Does My Insurance Policy Cover for Attic Insulation?
Homeowners often ask whether their homeowners insurance covers attic insulation damage caused by pests, rodents, or water issues.
The Short Answer: It depends on your policy. You should periodically speak directly with your insurance provider, as well as routinely monitor your insulation and pest control needs.
While standard insurance may cover certain types of accidental damage, issues caused by pests, rodents, or neglect may be excluded, making regular attic inspections, pest control, and sanitation essential. But, how can you protect your home investment? Home insulation energy upgrades can go a long way but make sure to do your research.
Understand Your Policy and Keep Records Updated
In Texas, homeowners insurance typically covers sudden and accidental damage, like a burst pipe or storm damage, but it usually excludes gradual damage caused by neglect, pest infestations, or mold. Typically things that you are considered to have control over. For example, damage from rodents contaminating attic insulation is often not covered because insurance companies consider pest control part of regular home maintenance and consider it neglected without it.
Think of it like vehicle insurance: just because you own a car doesn’t mean every type of damage is covered. Your car insurance may cover specific events (like accidents or theft), but you’re expected to handle regular maintenance like oil changes or tire replacements. Homeowners’ insurance works similarly; it may cover sudden, accidental damage, but not issues caused by lack of maintenance or pest infestations!
✅ Pro Tip:
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Contact your insurance company to clarify: What types of attic damage are covered? Ask about Insulation and Pest Control. Are rodent and pest damage excluded from your policy? Get it in writing if possible.
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Do you have regular pest control? When was the last time a professional inspected your attic insulation? What was the status? Old and worn out? Was there evidence of a current or previous rodent, wildlife, or other type of pest infestation?
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What documentation is required if you file a claim? When in doubt, keep all of your records up to date, showing you have made a good faith effort to maintain your insulation and to reduce and control pests. Include invoices, free inspections and the findings from the inspecting company for insulation services, pest control treatments, and maintenance inspections.
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What BUGS-GO Provides
At BUGS-GO Insulation, we specialize in installing pest-resistant blown-in attic insulation, a cutting-edge solution that combines superior thermal performance with effective pest deterrence. Our home insulation solutions are meticulously designed to fill every nook and cranny of your attic, creating a seamless barrier that not only conserves energy but also prevents pests from infiltrating your home.
Additionally, we address the removal of harmful contaminants, including mold, allergens, bacteria, and even hazardous materials like rodent droppings or animal feces, ensuring a healthier and safer living environment for your family. This dual functionality delivers unmatched comfort and protection for your home while safeguarding it against health risks and unwanted intruders.
Protect Your Home Today! We Offer Financing!
We get it! For many homeowners, paying smaller amounts over time is simply a smarter, more manageable choice compared to paying everything upfront. That’s why we proudly offer financing options — so you can get the insulation and sanitation services your home needs without the stress. We’re here to make the process smooth, convenient, and affordable. Click Here for more information on Financing or visit us at bugs-go.org/financing/ now!
BUGS-GO Insulation will make sure you have the highest grade Pest Resistant Blown-In Insulation and Fiberglass Insulation for the dual function of pest control and energy efficiency at the correct R-Value
Contact BUGS-GO Insulation today to schedule your attic inspection to keep your home healthy, efficient, and protected.
Let's Review
Homeowners insurance policies typically cover sudden and accidental damage, like storm damage or a burst pipe, but they usually exclude issues caused by pests, rodents, gradual wear, or poor maintenance. That means if your attic insulation is damaged because of mice, rats, or moisture buildup over time, your policy may not cover the repair or replacement costs, but we do offer Financing!
It’s important to contact your insurance agent directly to review your policy details, clarify what’s covered, and ensure your records are up to date. While BUGS-GO Insulation can help clean, sanitize, and replace your attic insulation, we do not process or assist with insurance claims; always rely on your provider for specific coverage answers.
Important Disclaimer: BUGS-GO Insulation and BUGCO® Pest Control make no claims, guarantees, or representations about how insurance policies work or what will or will not be covered. For all insurance-related questions, you must speak directly with your insurance agent or provider. This blog is for informational purposes only and does not constitute legal or insurance advice.