Does Homeowners Insurance Cover Raccoon Damage?

Are you a homeowner who has recently encountered raccoon damage to your property? As cute as they may look, these furry creatures can wreak havoc on your home and cause significant damage.

But the question is, does homeowners insurance cover raccoon damage? In this blog post, we will explore what exactly homeowners insurance covers and whether or not it applies to pesky critters like raccoons. So grab a cup of coffee and let’s dive in!

What does homeowners insurance cover?

Homeowners insurance is designed to protect your property and personal belongings from unexpected events that may occur. It typically covers damages caused by natural disasters, theft, vandalism, and other such occurrences.

One of the primary coverages provided by homeowners insurance is property damage. This includes damage caused to your home’s structure as well as any attached or detached structures like a garage or shed. The coverage extends to damage resulting from fire, lightning strikes, hailstorms, windstorms and more.

Another aspect of homeowners insurance is liability protection which covers you in case someone gets injured on your property and sues you for medical expenses or lost wages. Additionally, if someone else’s property gets damaged while they are on your premises due to negligence on your part, liability coverage can help pay for repairs.

In addition to these basic coverages, some policies offer additional endorsements that allow for further protection against unique risks such as floods or earthquakes. It’s important to note that every policy differs so it’s wise to carefully review what exactly yours covers before signing up for one!

Does homeowners insurance cover raccoon damage?

When it comes to homeowners insurance, many people wonder if damages caused by raccoons are covered. The answer is not so simple as it depends on the specific policy and situation.

Most standard homeowners insurance policies generally cover damage caused by certain types of wildlife, including raccoons. However, there may be limitations or exclusions in your policy that could affect coverage for such incidents.

For example, if the damage was caused by a raccoon infestation rather than a single incident, your insurer may consider this to be a maintenance issue and deny coverage. Similarly, some policies may only cover physical damage to property and not any associated cleanup costs.

It’s important to review your policy carefully and speak with your insurance agent about what is specifically covered in regards to raccoon damage before filing a claim. Additionally, taking preventative measures such as securing trash cans and sealing potential entry points can help avoid any potential issues with these pesky critters.

While most standard homeowners insurance policies do offer some level of coverage for raccoon-related damages, it’s always best to confirm with your provider first.

How to file a claim for raccoon damage

If you have experienced raccoon damage in your home, it is important to file a claim with your homeowners insurance company as soon as possible. Here are some steps to follow:

1. Document the Damage: Take pictures of the damage caused by the raccoons. This will help support your claim and give evidence that there was indeed an issue.

2. Contact Your Insurance Company: Call or email your insurance company’s claims department to report the damages and begin the claims process.

3. Meet With an Adjuster: An adjuster may be sent out to assess the damage done by the raccoons and determine whether or not it is covered under your policy.

4. Provide Documentation: Give any documentation you have gathered, such as photos and estimates from contractors for repairs.

5. Wait for Approval: Once all necessary information has been submitted, wait for approval from your insurance company before proceeding with repairs.

Filing a claim for raccoon damage can be a tedious process but it’s important to do so promptly in order to receive compensation for repairs needed on your property due to these mischievous animals!


To sum up, dealing with raccoon damage can be a stressful and expensive experience for homeowners. However, if you have the right type of homeowners insurance policy in place, it could help alleviate some of that stress by covering the cost of repairs or replacement.

When it comes to determining whether or not your policy covers raccoon damage, it’s important to review your specific coverage details and speak with your insurance agent. If you do indeed have coverage for this type of damage, make sure to document all damages thoroughly before filing a claim.

While raccoons may be cute from afar, they can cause significant harm when they invade our homes. Having adequate insurance coverage can provide peace of mind and financial protection in such situations.