Obtain Rat Insurance Coverage to Protect Your Home from Rats

Insurance acts as a safety net to protect you from damage caused by rats

If you have rats in your home, they can cause damage to your property and belongings and pose a health risk. For example, they can gnaw on wires and wooden structures, leading to damage.

With IDA building insurance, you are financially covered. It covers the costs of replacing, repairing, or repairing damages caused by rats.

You can find even more information about how building insurance can provide coverage for you.

Report the presence of rats to the local municipality

If you notice rats in your home, report them to your local municipality. All municipalities have rat control measures, and reporting rat sightings can help with systematic rat control.

Remember these tips to prevent rat infestations

It is crucial to have good insurance that provides financial security if you experience an unwelcome visit from rats in your home. However, you can also take preventive measures to avoid rat damage in your home. Here are five tips for prevention.

Check the walls of the house

Remember to check your house for cracks and holes. Mice can enter through cracks as small as 5-6 millimetres, while rats can get through about 20 millimetres. Cover any holes or crevices with metal mesh, with holes no more significant than 5x5 millimetres, especially around ventilation joints.

Secure sewers and service lines

There are rats in our sewers, and they should remain there. As a homeowner, you must secure your service pipes and wells. If you discover broken sewer installations, they must be repaired immediately.
Also, remember to secure the sewer grates. Rats can lift 3-4 times their weight and quickly push up a sewer grate.

Prune plants

Climbing roses and other vegetation can be beautiful, but it's important to prune them along the house walls. This measure prevents them from acting as pathways for rats to access gutters and other areas where they can enter your home.

It is not just climbing plants that can be a problem—tall items like trash cans also allow rats to access your home.

Avoid food waste

To prevent rats from entering your home, ensuring no food is left available is a good idea, as this can attract rodents. If you want to feed birds, remember to do it in smaller quantities at a time and hang the feeder high.

Set up steel boxes and snap traps

Many people install steel boxes if they suspect mice or rats. Some opt to use poison in the steel boxes, but it's better to use a snap trap instead. Snap traps kill the rodent and keep it contained in the steel box.

Install a rat blocker

A rat blocker prevents rats from entering your home by keeping them in the sewer. The barrier consists of two flaps a sewer master places in the sewer pipe near a drain—the flaps open towards the sewer, allowing water to flow out while blocking the entry for rats.

How do I obtain a rat blocker?

If you have building insurance with us, you can purchase a rat blocker through Tryg for DKK 2,910 (including VAT, installation, and administration fee).

The price assumes that the rat blocker can be installed directly and that the well does not require modifications before installation.

The offer is for a rat blocker that fits 110 mm or 160 mm pipe diameter.

If you have already installed a rat blocker, please inform us, as this may affect your insurance policy.

Installation by an authorized sewer company

Tryg's authorized partner, KloakTek, delivers and installs the rat blocker. To install the barrier, the well cover must be visible and freely accessible.  

If you have any questions, would you like to order a rat blocker, or if there are problems with a blocker in your home, call KloakTek on 51 33 70 72.  

When you order the installation of the rat blocker, you agree with the sewer master which well it should be installed in.