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HOW TO PREVENT RODENT ELECTRICAL FIRES

Author: Gordon Ivory

Insurance companies, adjusters and other real estate professionals need to be aware of the destruction that rodents can cause. Rats and mice start fires by chewing on electrical wires causing millions of dollars of structure damage each year.

It has been estimated that rodents cause up to 20 percent of undetermined fires in the United States each year. As a professional fire investigator, I have investigated numerous fires over the years involving rodent infestation in everything from houses to cars to motorcycles and even lawn tractors. Mice and rats chew constantly because their teeth are always growing. They have incisor teeth that butt up against each other. They will chew through soft concrete, aluminum, wallboards, and plastic pipes. Field mice move undercover in the winter months and prefer to live near the warmth of electrical components​

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Insurance Concerns

              Most standard homeowner insurance policies contain a number of exclusions, including insect and rodent infestation. Homeowners are expected to take care of their homes, businesses or structures and deal with maintenance issues on their own, at their own expense. However, most insurance companies will cover losses that result from an unexpected loss or hidden damage. This means that if a rat or mouse or other rodent chews into electrical wires which results in a fire, the insured should under most cases be covered providing that the rodent problem was not noticeable.

Another concern with rodents chewing through wires is electrocution and if the nest is next to a furnace, it can be ignited by the hot surface. Even after the insured has sustained a fire loss, make sure the structure is correctly boarded up as soon as possible, as this will discourage mice and rats from entering and causing additional damage.

These rodents can also transmit diseases to humans such as typhus fever, trichinosis, plague, infectious jaundice, salmonella, bubonic plague and rat-mice dermatitis