I just opened a policy 2 weeks ago and now I’m having issues with my engine. I found a dead rat in there that’s causing some transmission issues. I have comprehensive coverage. How soon can I file a claim for this? Is there a waiting period?
As long as the problems began after you started your policy, you can file a claim immediately. The statute of limitations in West Virginia is two years for property damage. The damaged caused by the rat would fall under your comprehensive coverage so you will just have to pay your deductible. You would need to call your insurance company’s claims department to begin the process.