Seeking advice on an automotive comprehensive claim due to persistent odor from mice nesting?
I’ve experienced multiple mouse infestations in my car, with the latest occurring when I checked the cabin air filter a month ago, where I noticed signs of rodent activity, including gnaw marks on the filter. The odor has remained stubbornly present despite my efforts to eliminate it. I’ve used various sprays, an ozone generator, and thoroughly cleaned the area by removing any debris from the filter, utilizing a fiber optic camera and a shop vac to clear out the fan cage below the cabin air filter.
Additionally, there’s an ammonia-like smell near the passenger side front wheel well. I’ve inspected under the windshield cowling with the fiber optic camera and around the engine bay, but I haven’t found any signs of rodent presence. I’m worried that they may have nested behind the front fender.
Do you think this situation could warrant a comprehensive claim? My concerns include:
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The unpleasant odor raises health concerns since mice are known to carry diseases like hantavirus due to their incontinence.
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The lingering scent of nesting material on the passenger side could continue to attract mice, which may lead to further damage.
For context, my insurer is GEICO and I reside in New York. Any insights or advice would be greatly appreciated!
EDIT: The vehicle is functioning normally, and the only visible damage related to rodents appears to be some chew marks on the plastic fan in the HVAC fan cage.
It’s definitely frustrating to deal with rodent issues in your car, especially with the persistent odor and potential health concerns. When it comes to filing a comprehensive claim with GEICO, here are a few points to consider:
Understanding Comprehensive Claims: Comprehensive coverage typically includes losses due to non-collision incidents, such as theft, vandalism, and natural disasters, but may not cover pest infestations. However, since you’ve documented signs of rodent activity and potential health risks, it’s worth discussing with your insurer.
Document Everything: Make sure to take detailed notes and photos of the damage. This includes any signs of nesting, chew marks, and the odor issue. The more evidence you provide, the stronger your case will be.
Health Concerns: Given your concerns about potential health impacts from rodent droppings or urine, it could be beneficial to mention this when discussing your claim. If you can demonstrate that the odor poses a health risk, it may support your case.
Prevention of Further Damage: Highlight your concern that the continued odor may attract more rodents and lead to additional damage, which is valid. Insurers often consider not just the current damage but also the risk of future issues when evaluating claim requests.
Contact GEICO: Reach out to GEICO directly to explain your situation. They may have specific policies regarding pests and may provide guidance on whether this falls under your comprehensive coverage.
Consider Professional Help: If you haven’t done so already, you might consider consulting a professional pest control service or a mechanic who specializes in rodent-related issues in vehicles. They may be able to thoroughly inspect the vehicle and identify any hidden nests, which could also aid your claim.
Ultimately, it’s important to have an open discussion with your insurer about whether they view this situation as a claimable event. Good luck, and hopefully, you can resolve the odor issue soon!