Is Mice Removal in Ottawa Covered by Home Insurance Policies?

Mice are quick to invade homes when temperatures drop, and the damage they leave behind can be alarming. From gnawed wires to contaminated insulation, the costs add up fast. The pressing question is clear: will your insurance step in to cover mice removal in Ottawa, or not?

How insurance policies generally view mice infestations

Most home insurance policies in Canada consider pest infestations a maintenance issue. This means that if mice enter through small gaps or cracks, insurers usually expect homeowners to prevent and address the problem themselves. As a result, the cost of mice removal in Ottawa is often not covered. Damage caused by rodents, such as chewed wires or insulation, is also excluded in many standard policies.

When insurance might cover rodent damage

There are limited situations where insurance may step in. For example, if a fire results from mice chewing electrical wires, the resulting fire damage might be covered even if the rodent removal is not. Each case depends on policy wording and the cause of the damage. Homeowners in Ottawa should review their insurance documents closely or speak with their provider for clarification.

Why prevention and timely action matter

Ignoring the first signs of mice can lead to significant structural and health risks. Rodents contaminate food, spread bacteria, and create costly damage in attics and basements. Instead of relying on insurance coverage, investing in proper prevention and timely removal is more effective. Aspen Wildlife Control helps Ottawa homeowners address infestations quickly by sealing entry points and applying humane exclusion methods. Their inspections also identify vulnerabilities that might invite future infestations.

The role of professional services in Ottawa

Attempting to handle mice alone may not provide lasting results. Traps and over-the-counter products often reduce numbers temporarily but fail to stop entry. Aspen Wildlife Control offers complete solutions tailored to Ottawa homes, focusing on long-term prevention. By combining thorough inspections, safe removal, and property-proofing, they ensure mice do not return. This level of service reduces the need to rely on insurance coverage for damages.

Practical advice for Ottawa homeowners

Since home insurance rarely covers pest-related issues, prevention is key. Regularly sealing gaps, cleaning food storage areas, and monitoring basements and attics can reduce risks. When infestations do occur, turning to services like Aspen Wildlife Control offers peace of mind and reliable results.

FAQ’s

Does home insurance cover mice removal in Ottawa during winter?

No. Insurance companies treat infestations as ongoing maintenance, regardless of the season. Costs fall on homeowners.

Can mice damage void an insurance claim in Ottawa?

Yes. If damage is linked to neglect or poor maintenance, insurers may deny claims related to rodent issues.

How quickly should mice removal in Ottawa be done?

Immediate action is advised. Delays allow colonies to expand, leading to greater health and structural risks.

Are attic cleanups after a mice infestation covered by insurance?

Typically no. Cleaning and decontamination are considered homeowner responsibilities, even when infestations are severe.

What is the average cost of mice removal in Ottawa?

Costs vary depending on infestation size and property layout. Services like Aspen Wildlife Control provide tailored quotes.