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Rodent Damage - Is it covered by Marine Insurance

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Rodent Damage - Is it covered by Marine Insurance

Old 01-03-2019, 02:34 PM
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Default Rodent Damage - Is it covered by Marine Insurance

I have a 2018 SeaHunt Game Fish 25 with twin Yamaha F150XB's. My New Years gift was finding that my port side engine was not starting after being loaded and ready to hit the bay for some fishing with my daughter. Not a mechanic but can handle some basic things, so I decided to remove my cowling and see if anything jumped out at me. Well guess what it was nothing less than total damage everywhere, rodent (RAT) ate through wires, plastic, etc..... I then found damage in the electrical in my center console, etc.. The damage is visibly bad, I can't imagine all the damage I can't see. I have reached out to my insurance company and they have opened a claim and will be sending out an adjuster. My question to you all is, has anyone experienced this (hopefully not) or heard and/or know of someone who has experienced this and would know if insurance covers this. I have read and heard of instances when it does cover and instances where it hasn't. Any info would be great.

Thanks in advance...
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Old 01-03-2019, 02:40 PM
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Policies vary. Read yours, that's the one that counts.
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Old 01-03-2019, 02:43 PM
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I would say probably not a chance. Even homeowner's policies exclude rodent damage.
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Old 01-03-2019, 02:46 PM
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Read the exclusions in your policy. There you will find the answer. Many policies exclude damage from rodents, vermin and insects.
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Old 01-03-2019, 02:46 PM
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Please read your policy rather than asking the internet. Also works for legal, medical, financial, and relationship advice.
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Old 01-03-2019, 02:50 PM
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@popeyeiii Policies can at times have verbiage which is LESS than self explanatory, hence going out to the community for answers. I think thats what forums like these are used for. Not looking for legal advise just looking for some thoughts based on experience, etc.....
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Old 01-03-2019, 03:08 PM
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I'm not being a smarty, but is that due to the newer insulation on the wires? It's perhaps just rubbish I heard, but I did hear that newer insulation has a different makeup that rodents love. Including automotive wiring as well.?

OP, I hope your insurance will cover your loss. That's horrible on any boat, but especially a brand new one.
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Old 01-03-2019, 03:20 PM
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Originally Posted by MilesExpress View Post
I'm not being a smarty, but is that due to the newer insulation on the wires? It's perhaps just rubbish I heard, but I did hear that newer insulation has a different makeup that rodents love. Including automotive wiring as well.?

OP, I hope your insurance will cover your loss. That's horrible on any boat, but especially a brand new one.
What newer insulation?
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Old 01-03-2019, 03:33 PM
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Originally Posted by GeoFdz1 View Post
@popeyeiii Policies can at times have verbiage which is LESS than self explanatory, hence going out to the community for answers. I think thats what forums like these are used for. Not looking for legal advise just looking for some thoughts based on experience, etc.....
if you have a policy that insures against certain perils, and your rodent attack falls under a covered peril as s defined in the policy and is not listed in the exclusions, then yes, it is covered.
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Old 01-03-2019, 03:37 PM
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It depends on your specific policy but the last claim I delt with for a raccoon damaging a customer’s boat wiring was not.
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Old 01-03-2019, 03:43 PM
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Ironically, I just repaired a friends F115 this past weekend due to a rat eating his wiring harness. Took me about 30 minutes to splice the wires! No big deal.
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Old 01-03-2019, 03:51 PM
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Originally Posted by alloyboy View Post
What newer insulation?
Hey Alloy, Had something to do with the plastics makeup on newer automotive wiring insulation. I think it had to do with newer cars and rats going nuts over the wiring eating the hell out of it.

Likely BS, but I remember thinking about my Albemarle on the lift and my truck in the driveway and how hard it would be for them to get into it.

As said, likely BS, just wondering if anyone else heard that.


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Old 01-03-2019, 04:26 PM
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Originally Posted by GeoFdz1 View Post
@popeyeiii Policies can at times have verbiage which is LESS than self explanatory, hence going out to the community for answers. I think thats what forums like these are used for. Not looking for legal advise just looking for some thoughts based on experience, etc.....
You need to read your policy. No one knows what your policy says as we are not mind readers.

If you can't understand it, find someone that can help you. It should be in plain english. Start by reading the exclusions and look for words such as rodent, vermin, animal, etc.

Most insurance does NOT cover damage from rodents, mold, etc

You can also call your agent or the company directly with the question (I would not file a claim though if it would not be covered).

Good luck

Last edited by mystery; 01-03-2019 at 04:34 PM.
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Old 01-03-2019, 04:32 PM
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Originally Posted by GeoFdz1 View Post
@popeyeiii Policies can at times have verbiage which is LESS than self explanatory, hence going out to the community for answers. I think thats what forums like these are used for. Not looking for legal advise just looking for some thoughts based on experience, etc.....
Why not call your agent? My guess is they already said no.
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Old 01-03-2019, 04:39 PM
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Had mice eat the fuel injector wiring on a Ford van I had.
I hate meeces to peeces.
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Old 01-03-2019, 04:41 PM
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OP, good luck with your claim

Not recommending it for marine applications but when we have rodent issues on cables we run out in fields
we use

Coyote urine
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Old 01-03-2019, 04:47 PM
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Originally Posted by MilesExpress View Post


Hey Alloy, Had something to do with the plastics makeup on newer automotive wiring insulation. I think it had to do with newer cars and rats going nuts over the wiring eating the hell out of it.

Likely BS, but I remember thinking about my Albemarle on the lift and my truck in the driveway and how hard it would be for them to get into it.

As said, likely BS, just wondering if anyone else heard that.


Some critter ate the wire harness under the hood in my mothers car. Dealership had to order a new harness.
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Old 01-03-2019, 05:09 PM
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Originally Posted by alloyboy View Post
What newer insulation?
Soy based wiring. Rats love it. I had a thread on this a while back. My 2018 Tundra has had rats twice. Not covered under warranty because it was a outside influence.
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Old 01-04-2019, 06:52 AM
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One winter rats destroy the wiring in my F250 Ford twice. A couple of years later mice got into my Blue Wave, they destroyed all of the wiring as well as the Sea Star steering hoses. Neither insurance policy covered the damage and ended up being pretty expensive, specially the truck wiring harness.
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Old 01-04-2019, 06:58 AM
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Originally Posted by tvguy243 View Post
OP, good luck with your claim

Not recommending it for marine applications but when we have rodent issues on cables we run out in fields
we use

Coyote urine
coyote and fox urine work probably not the best smell for a boat. You can use peppermint oil as well but not as effective as the other two.
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