Mice ate my K1200LT

Discussion in 'Road Warriors' started by captnshaw, Jan 10, 2013.

  1. captnshaw

    captnshaw Adventurer

    Joined:
    Dec 29, 2001
    Oddometer:
    32
    Location:
    Northwest Florida
    Came home from a month long trip and went into my garage to take the bike out for a ride and noticed that there were big holes in the seats, the radio buttons, grips were chewed up pretty good and the rear speaker surrounds looked like half eaten blocks of Swiss cheese. There were bits of plastic and wire insulation everywhere.

    I turned the key and no joy at all. So I opened the seat and most every wire was bare. I had it towed to the dealer in Pensacola and he says that the wiring harness is completely destroyed everywhere even under the tank.

    His rough guess is that it will cost between $2,000-$3,000 to repair the damage which seems reasonable to repair a mint low mileage LT that has been absolutely a trouble free comfortable ride. I am somewhat attached to this bike love the look, fit and feel.

    Has anyone ever had this happen before? Does anyone know if might be covered under comprehensive as theft, vandalism and malicious mischief? If not I know it will be covered by rising water, fire or the stranding, sinking, burning, derailment, upset or collision of a conveyance transporting your vehicle on land or water.

    I am insured with Markel but have not contacted them as yet.

    Any thoughts?
    #1
  2. timdog

    timdog a.k.a. Josh

    Joined:
    Oct 13, 2005
    Oddometer:
    629
    Location:
    Troy, MI
    Read your policy. Not trying to be a smarta$$. Seriously. Look at your policy very carefully. Post the relevant language and we will help you decipher the legalese.
    #2
  3. duck

    duck Banned

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    Mar 19, 2004
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    Location:
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    If you have an agent then call your agent.
    #3
  4. ozmoses

    ozmoses Ride On

    Joined:
    Jul 3, 2009
    Oddometer:
    4,979
    Location:
    USA
    What is it about mice and vehicles?

    Friend of mine had his car's wiring destroyed; cost me two clutches in as many months, forever nesting in the mower or snowblower, and I finally covered the airhead snorkels w/ hardware cloth to deter nesting in my airbox!

    I can understand in the winter they may seek the heat in the engine compartment, otherwise these are cold hunks of metal while there are much better alternatives nearby.


    Maybe mice are motorheads at heart?

    IME, not an insuance issue; YMMV,etc;
    #4
  5. captnshaw

    captnshaw Adventurer

    Joined:
    Dec 29, 2001
    Oddometer:
    32
    Location:
    Northwest Florida
    I don't want to contact them until I find out if its covered. That's why I'm asking if anyone had a similar experience?
    #5
  6. ragtoplvr

    ragtoplvr Long timer

    Joined:
    Oct 18, 2007
    Oddometer:
    6,868
    Location:
    central USA
    <!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:punctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="&#45;-"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--> You are not feeing your mice enough. This leads them to chew on the wires to get the vitamins they lack.

    I recommend a nice nutritionally balanced food like D-CON or the equivalent, as it has those necessary vitimans.

    You will find they no longer nest in the air box or eat wires when they have the correct diet.

    Very simple.

    Or you can get a good cat.

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    #6
  7. captnshaw

    captnshaw Adventurer

    Joined:
    Dec 29, 2001
    Oddometer:
    32
    Location:
    Northwest Florida
    [​IMG]
    I have been feeding them all they can eat of Bromadiolone...0.005% it is a single-feeding anticoagulant rodenticide. Unsurpassed in it's yummy taste and smell. Rodent love it! Supposed to be an excellent clean-out and maintenance bait to control mice and rats, including warfarin-resistant Norway rats.

    They have consumed half a five gallon bucket in the past month and will not stop. I had an exterminator out he found and fixed some possible entry points and said I'm doing everything I can do.

    My 95lb shepard/chow kept all critters away but he died in November.

    I just want to get the bike fixed I can put it in a cage if I have to.
    #7
  8. Conedodger

    Conedodger Wanna Ride

    Joined:
    Apr 12, 2011
    Oddometer:
    451
    Location:
    Upstate, NY
    Sounds like you have a serious problem on your hands! A five gallon bucket would be a 20 year supply at my house. I go through less than a dozen blocks per year to protect my garage.
    #8
  9. bomber60015

    bomber60015 Anatomically Correct

    Joined:
    Sep 11, 2008
    Oddometer:
    15,980
    Location:
    Chicago-ish
    asking questions of others isn't a particularly effective way to find out if YOU are covered . . . . insurance vaires wildly by state, town, individual . . . . there's no reason to NOT contact your agent . .. .and, remember, agents pay is tied up with your continued purchasing of their policies . . . .I've had "iron clad" decisions reversed a couple of times when I mentioned how disappointed I was, and how I knew such and such company would do better.

    Call your agent.

    Or read the poilcy (I'd call, because the poilicy is not in English).
    #9
  10. duck

    duck Banned

    Joined:
    Mar 19, 2004
    Oddometer:
    10,403
    Location:
    Seattle (Berkeley with rain)
    It doesn't hurt you to call your agent. It doesn't cost him/her a dime one way or the other if it's covered. It's in his/her best interests to help get it covered, make you a happy camper and keep you as a customer.

    If, on the other hand, you are insured directly with the carrier then they may be prone to deny it as it does come out of their coffers - in which case you probably should review your policy prior to calling them and find some way to make the case to them that it is covered.
    #10
  11. speedracertdi

    speedracertdi Been here awhile

    Joined:
    Jun 11, 2009
    Oddometer:
    985
    Location:
    Hollywood, FL
    I dropped my Concours 14 a few months back. It took me 3 weeks to call Progressive. I told them I was in shock and needed to mourn before I called them. They were more than accommodating, sent an appraiser out 2 days later. We met for about 30 minutes, I showed him the damage and my concerns. He wrote me a GENEROUS check on the spot. Told me If I find anything else broken or damaged to just call him back. The check covered my damages and enough for my new ceramic coated dual Muzzys exhaust, computer re-flash, and new GPS mount and wiring.

    There is no reason not to call and ask. You pay for insurance to be insured. Use it. Mine as well as yours will fall under "small accident forgiveness". Your rates shouldn't go up a penny.
    #11
  12. The Walrus

    The Walrus Gone and back again.

    Joined:
    Nov 9, 2003
    Oddometer:
    9,087
    Location:
    SLC, Utah
    It's not a collision claim so there should be no impact to your rate.

    And if your vehicle insurance doesn't cover it under the comprehensive, I'd call my homeowners next.

    YMMV
    #12
  13. AnnieGS

    AnnieGS Namasté, bitches!

    Joined:
    Dec 12, 2003
    Oddometer:
    29,557
    Is there a chance the rodents have free access to dry dog food somewhere? The Vitamin K1 in the dog food is an antidote to the poison.
    #13
  14. captnshaw

    captnshaw Adventurer

    Joined:
    Dec 29, 2001
    Oddometer:
    32
    Location:
    Northwest Florida
    I called Markel and said it should be covered but no promises until an adjuster looks at it. Retail on the bike is $8k trade is $5k now that I opened a claim I'm committed. My pest control company set up some infrared cameras to see exactly what's going on.
    #14
  15. OldPete

    OldPete Be aware

    Joined:
    Oct 6, 2007
    Oddometer:
    5,898
    Location:
    SoSoCal
    #15
  16. captnshaw

    captnshaw Adventurer

    Joined:
    Dec 29, 2001
    Oddometer:
    32
    Location:
    Northwest Florida
    This was pretty interesting http://www.youtube.com/watch?v=79Mzsq07GAk I made one but none trapped yet.
    Finally after 4 days and 12 pounds of poison the critters stopped taking the bait. I put a couple of five pound feeders filled with pro-grade rodenticide so my little friends will be well fed when I'm away.
    #16
  17. newcastleadam

    newcastleadam Artful Tagger

    Joined:
    Oct 14, 2007
    Oddometer:
    3,469
    Location:
    Gainesville, Fl
    Sucks. BTW, did I get a Bridgestone tire from you when my Metz blew on I-10 in Oct?
    #17
  18. captnshaw

    captnshaw Adventurer

    Joined:
    Dec 29, 2001
    Oddometer:
    32
    Location:
    Northwest Florida
    No, not me. I was in St. John.
    #18
  19. captnshaw

    captnshaw Adventurer

    Joined:
    Dec 29, 2001
    Oddometer:
    32
    Location:
    Northwest Florida
    I submitted the claim on Monday to Markel. Today I received a check for the full amount to repair the bike ($6.5K+) I was pleased they did not total it. It's a clean good ride. Markel gets kudos from me.
    #19
  20. wsmc831

    wsmc831 Been here awhile

    Joined:
    Jan 25, 2006
    Oddometer:
    824
    Location:
    Central Oregon
    Wow, that was fast, nice!

    Reminds me of a friends situation. Mice ate through the wiring harness on his C32 AMG Mercedes between the engine and the firewall. Required engine removal to fix. A 12k dollar bill his homeowners picked up.
    #20