What Happens When the Bed Bugs Bite?

By Clint Scott | May 26, 2016

What Happens When the Bed Bugs Bite?Recently, we wrote a quick synopsis on all-risk policies vs. named perils policies. In that post, we covered some of the more common types of exclusions most Tennessee homeowners have in their named-perils policies. One we have not yet talked about is infestation. Just as brakes and tires are rarely covered under a warrantee, the creepy-crawlies that sometimes end up in our homes may also be excluded.

Infestations are not limited to bugs, either. Mice, rats, squirrels, snakes, birds – whether they run, fly or slither, they may not be covered under your policy. More frustrating, however, is that the damage they do may also not be covered. Insurance policies often have exclusions for infestations. Thus, your policy may exclude coverage for the infestation, and your policy must be analyzed to determine whether you have coverage for the damage caused by an infestation. For example, damage caused by termites is likely to be excluded by your policy, which means you are probably on the hook for the costs associated with those repairs.

Homeowners’ policies can have a lot of exclusions. For this reason, it is important to understand the coverage provided by your policy and have your policy analyzed as soon as a potential claim arises to ascertain whether or not you have coverage. McWherter Scott & Bobbitt helps policyholders in Tennessee recover the compensation they are entitled to receive after they have sustained damage to their home covered under their policy. To make an appointment with Tennessee bad faith attorney Brandon McWherter or Clint Scott, please contact us. With offices in Nashville, Chattanooga, Memphis and Jackson, McWherter Scott & Bobbitt is always nearby when you need us most.

#badfaithattorney #buginfestation #insurancepolicies

Posted in Insurance Disputes