Request for Comprehensive Claim Due to Ongoing Odor from Mice Nesting
I’ve encountered a recurring issue with mice nesting in my vehicle. The most recent incident was about a month ago when I checked the cabin air filter and found signs of rodent activity, including chew marks on the filter itself. Despite my efforts to eliminate the odor—using sprays, an ozone generator, and thoroughly cleaning out the fan cage with a fiber optic camera and shop vac—the smell persists.
Additionally, I’ve noticed an ammonia-like odor near the passenger side front wheel well. I’ve inspected under the windshield cowling and around the engine bay using the fiber optic camera but found no evidence of rodent presence. I’m concerned that they may have nested behind the front fender.
Given these circumstances, do you think this qualifies for a comprehensive claim? My primary concerns are:
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The unpleasant odor raises potential health risks, as mice can be carriers of diseases like hantavirus due to their incontinence.
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The lingering scent of nesting materials near the front passenger side wheel might continue to attract mice, which could lead to further damage.
I’m insured with GEICO and reside in New York, which may be relevant. Any insights or advice would be greatly appreciated!
EDIT: My vehicle operates normally, and aside from some chew marks on the fan plastic in the HVAC cage, I don’t see any significant signs of rodent damage.
It’s understandable that you’re concerned about the persistent odor and potential health risks from rodent activity in your vehicle. When it comes to filing a comprehensive claim with GEICO (or any other insurer), there are a few factors to consider:
Coverage Type: Comprehensive insurance typically covers damage from non-collision incidents, like theft, vandalism, and certain types of animal damage. However, coverage for pest-related issues can vary by insurer and specific policy. You’ll need to review your policy documents to see if rodent damage is covered under comprehensive claims.
Document Everything: You should gather all evidence of the rodent intrusion—photographs of any damage, details about the odor, and documentation of the steps you’ve taken to address the issue (like using an ozone generator and checking the cabin air filter). This will strengthen your case when you file the claim.
Health Concerns: Your worries about potential health impacts, such as the risk of hantavirus, should be noted. You can mention this in your claim to emphasize the urgency of the situation. Insurers are often more receptive to claims when health and safety concerns are raised.
Continued Attraction: Your concern about the lingering odor attracting more rodents is valid. If the issue isn’t addressed promptly, it could lead to further damage, which may justify the need for repairs under your comprehensive coverage.
Consult with a Professional: It might also be worth getting a professional inspection to determine if there are any hidden nests or damage that could be causing the odor. This will not only help with your claim but will also provide more information when speaking with your insurer.
Contact GEICO: Ultimately, the best course of action is to contact GEICO directly. They will be able to clarify your coverage, discuss your claims process, and let you know what information they need from you.
In summary, while there’s a possibility that this could be covered under your comprehensive claim, it largely depends on your specific policy details. Documenting everything and communicating effectively with your insurer will be key in getting the best outcome. Good luck!