Rat attacks.
by: Christine Zafra
Rats surely are a big problem to home insurance. These rodents do gnaw on the wood finishing of the house, sometimes, making a certain part of the house hollow and unstable. They can even chew on cloth, wiring systems and of course, bring germs to all parts of your house. However, these are only small problems caused by rats. Some of them do bigger damages to houses. An 80 year old woman died when her house exploded due to gas leakage. Upon further investigation, it was found out that rodents gnawed on her gas piping that caused the explosion. It is sad to say that most insurance companies do not cover property damage (like deteriorating wall) due to rat infestation, however, fires caused by it might be covered—you just to find it out with your insurance company.
Photo taken from http://www.becomingdomestic.co.uk