Irish households and businesses warned of 'rat plague' after record-hot summer
A surge in rodent infestations could lead to costly repair bills
Homeowners across Ireland are being urged to take action to protect their properties from rats this autumn, as experts warn that a surge in rodent infestations could lead to costly repair bills.
Summer 2026 was the hottest on record for Ireland, creating ideal breeding conditions for rats. And as temperatures begin to drop and wetter weather sets in, these vermin abandon their burrows and begin their annual migration into our homes in search of food, shelter and warmth.
Home insurance experts at CompareNI.com have urged property owners to remain vigilant and take important steps now to prevent an infestation before the autumn weather drives rodents indoors.
Rat infestations can knock up to 20% off a property’s value due to the risks they pose and the damage they cause – with figures potentially reaching up to €53k based on average property prices.
It is also a legal requirement to declare the presence of rodents during the sale of a house – failing to do so can be seen as mis-selling a home and can lead to legal action.
Homeowners are urged to be on the lookout for early signs of rats and take steps to prevent an infestation to avoid long term damage, protect their family’s health, and avoid costly repair bills.
Signs of rats include droppings, rub marks, and gnawed holes in bags of foodstuffs – with houses that have any unsealed entry points at higher risk.
Ian Wilson, home insurance expert and Managing Director at CompareNI.com said:
“Rats are more than just a nuisance, they can lead to serious problems for homeowners by causing structural damage to properties, such as gnawing through electric cables, pipes, insulation and even woodwork.
“Most standard home insurance policies do not cover damage caused by vermin, as infestations are typically considered a preventable maintenance issue rather than an unforeseen risk. This means homeowners could be left facing a potentially hefty repair bill if the problem is not tackled early.
“With the colder weather fast approaching, now is the time for homeowners to check their properties for any gaps or holes where rats could find their way in, keep outdoor areas tidy and fix any leaks or drainage issues.
“Taking these simple steps now can help homeowners avoid a much bigger and more costly problem down the line.”
Five ways to help protect your home from rats:
1. Seal entry points
Use steel wool, wire mesh, or caulk to close any gaps, cracks, and holes in walls, foundations, and around doors and windows.
2. Maintain cleanliness
Kitchens, pantries and food storage should be kept clean and free of any crumbs or spills, and food should be kept in airtight containers.
3. Reduce outdoor attractions
Avoid leaving rotting food in compost, clear garden debris where rats can nest, and trim back any trees or shrubs so branches aren’t too close to the house.
4. Limit water sources
Ensure gutters and drains are clean, and fix any leaking taps or pipes. Rats are attracted to standing water.
5. Use deterrents
Deterrents like peppermint oil, ammonia, or ultrasonic devices all work well to help keep rats away.
While standard home insurance doesn’t normally cover rat infestations, there are add-on policies such as home emergency cover which can help with the cost of removing the infestation.
Buildings cover may also help with any adverse side effects from the infestation, such as water damage from gnawed pipes, but homeowners need to check their policy for details.