This is a question for your insurer
This is really a question for your insurer, so please treat it as general background rather than a coverage opinion. In our experience, many homeowners policies exclude damage caused by pests, vermin, insects, and gradual wear — and iguana burrowing under a seawall or pool deck can look a lot like the slow, preventable damage insurers often exclude.
Sudden, accidental events tend to be more likely to be covered than long-term infestation damage, but every policy is different and the characterization of the loss matters a great deal.
What actually decides coverage
Whether a given iguana loss is covered comes down to specifics, not general rules.
- Your specific policy language and any endorsements.
- Whether the loss reads as sudden and accidental or gradual and preventable.
- The facts of the loss and how the claim is characterized.
- Florida-specific policy terms and exclusions.
What we can and can't do
Rather than guess, call your agent and ask directly whether iguana or wildlife damage is covered under your policy and what documentation they'd want. We can document the damage and the remediation we perform, which sometimes helps a claim, but we can't tell you whether it's covered. For a real answer, talk to your insurer or a public adjuster.
Common questions
Will insurance pay to fix an iguana-undermined seawall?
Often these losses are treated as gradual pest or wear damage and excluded, but it depends entirely on your policy language and how the loss is characterized. Ask your agent directly — we can't determine coverage for you. This is general information, not a coverage opinion.
Does documentation help a claim?
It can. We can document the damage and the remediation we perform, which sometimes supports a claim, but whether it's covered ultimately comes down to your policy language and your insurer's decision. Keep your own records too.
Should I file a claim before or after removal and repair?
That's a question for your insurer or a public adjuster — some policies have notice requirements, and how and when you document matters. Generally, document the damage before repairs and ask your agent about the right sequence. This is general information, not insurance advice.
