Does Homeowners Insurance Cover Damages Cause by Chicago Birds?

On yearly basis Illinois birds are known for causing damage worth millions of dollar to buildings machinery, ventilation systems, roofs and other related stuff. Birds are one of the cutest pests that you will come across they don’t look dangerous, but in reality are capable of inflicting serious kind of damage and also act as a strong source for spreading diseases. The droppings of birds along with the nesting materials when allowed to get accumulated can attain seriously dangerous forms, which introduce some serious kinds of drawbacks. It is important to correct the problems as soon as possible and don’t allow the infestation to develop because you will have to bear property losses worth thousands of dollars afterwards.



Damages caused to roof
Droppings of Chicago birds constitute acidic nature. They dissolve different kinds of substrates especially roof materials that are based on tar. If these are allowed to get accumulated upon roofs then it will eat away materials and eventually this will cause leaks. Estimates suggest that life expectancy of the roofs of warehouse is reduced to half by bird droppings. In fact, pigeon dropping are of more serious nature and introduce harmful outcomes. Nests of birds are also a great source of trouble as more often they are built in the drains, rain gutters and corners of roofing. This in many situations leads to the blockage of drains and standing water can even cause the roofs to collapse.

Birds causing damage to machinery
Yes, it is true machinery also gets damaged because of birds especially the air-conditioning equipment, insulation and siding. It is not only the equipment that will get damaged, but also workers associated with heavy machinery get exposed to various kinds of risks and threats.

Blockage of ventilation systems
The nests of birds when made inside chimneys and other different ventilation systems are a main source of spreading diseases through such systems also the flow of air is blocked and this produces disastrous outcomes.

Damages caused to Food and other different products
Birds, which fly around in ware houses, factories as well as convention centers can create a lot of issues. Plastic can be damaged by Chicago birds at the time of molding in addition to this when food is being processed it also gets damaged by the activity of birds in the worst possible manner.

Ceilings
Pigeons are particularly extremely famous for damaging restaurants, buildings, apartments and attics in the worst possible manner. They gain access by means of openings that are broken or not sealed properly. Pigeons make their homes in such protected regions and discard the wastes of body there. Sometimes the weight of droppings gets so much that it leads to collapse of ceiling. These incidents can be termed as random, but it happens in cases where the damage inflicted is great.

Insurance coverage
From the above mentioned points we can estimate the extent of damage which is actually caused by Illinois birds. Sometimes it is difficult to believe that birds can cause this much damage, but it is true. So the next important question, which comes in mind, is that will homeowners insurance pay for bird damage? You may be expecting something from the insurance once the extent of damage appears too strong. Frankly speaking different factors come into consideration when we put a look at the entire situation. The mortgage companies try their best to maintain low levels of insurance therefore, at the time of taking policy you need to be extremely careful and read all clauses with utmost care and consideration so that understanding related with even minor details should come into consideration. In many situations policies provide full coverage, but in many cases they appear as insufficient. There are many legal details which sometimes can’t be understood by experts so you can take assistance from legal experts in this regard. In most of the situations home insurance isn’t strong enough to cover damages that birds cause. Many times insurance companies refuse to pay the claims because they regard negligence on the part of homeowners the main cause of damage. However, exceptions are there as well so real face of the picture will only be apparent after you will discuss matters with lawyers or the insurance companies.

There are some kinds of damages, which are covered by insurance whereas others are not considered. Like in case of a fire breakout most of the insurance companies don’t show any resistance in paying the damage, but things will be different if drains are clogged or roof is damaged. It again comes to the point that one should be aware of the entire situation beforehand by going through the clauses of insurance policy. We suggest that it is better to start taking precautionary measures right from the start of building’s construction. This will help in a sense that you will not get stuck in any kind of unwanted or unfavorable situation. It is a fact that insurance companies create a lot of problems and are never happy in paying the money so avoiding this situation in the first place is a matter of great concern. However, if you are still stuck, then consider taking legal advice.

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