1. 37376 POINTS
    David G. Pipes, CLU®, RICP®PRO
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    A homeowner’s policy pays for damages caused by “specified perils.”  The list of perils is lengthy; however, damage caused by birds and insects isn’t covered under the standard forms.  I am assuming that woodpeckers pose a threat to your house.  You might check with your agent on how you can deal with this problem.
    Answered on June 9, 2014
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