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Why doesn't homeowner's insurance cover the cost of animal damages?

Member
May 26, 2022
25
Occupation
Contractor
This always confused me. We have several animals in the area that have done damage to homes. Squirrels, mice, chipmunks, bats, certain insects, raccoons, etc., and yet no insurance around here covers damages to homes from mother nature. They cover things for storms but not wildlife. Why is this the case?
 
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