Does the policy cover the resulting water damage from a chewed pipe?

Sometimes — 'resulting loss' from an excluded cause is a coverage battle. Depends on the wording.

Animal damage inside the house?

Does Home Insurance Cover Wildlife Damage? (US)

Rodents, raccoons, and squirrels are always excluded. Sudden damage from deer, bears, or fallen wildlife is often covered.

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The short answer

US HO policies exclude damage caused by 'birds, vermin, rodents, or insects' — this catches squirrels, mice, rats, raccoons and skunks. Sudden and accidental damage by non-vermin wildlife (deer through a window, bear through a wall) is typically covered as vandalism or impact. Removal costs are usually your problem.

Frequently asked

Does the policy cover the resulting water damage from a chewed pipe?: Sometimes — 'resulting loss' from an excluded cause is a coverage battle. Depends on the wording.

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Stop guessing. Check your actual policy.

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