Definition of 'Vermin Exclusion'
A provision of a property insurance policy that states that the policy will not pay benefits to the policyholder for damage caused by pests - such as lice, fleas, roaches, bed bugs and rodents. Insurance companies commonly consider pest control to be part of ongoing maintenance, and do not view infestation as a peril to be insured against. Even if a policy does not have a vermin exclusion, the policyholder may find it difficult to prove the damage and loss caused by the vermin.
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