I was once called out to a fly infestation in a house, I immediately identified it as filter fly . This meant that there had to be a plumbing problem somewhere, it turned out that a mouse had bitten through a water pipe.
The lady in question called her insurer and was horrified to find that they were not going to cover her for the damage which subsequently amounted to 9K.
One of my customers happened to work in insurance and discovered that although they would not cover the mouse damage, they had eventually to stump up for the consequences of the damage.
Go and look out your policy and read the small print.