{"id":159426,"date":"2023-12-27T00:21:46","date_gmt":"2023-12-27T00:21:46","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/"},"modified":"2023-12-27T00:21:46","modified_gmt":"2023-12-27T00:21:46","slug":"does-homeowners-insurance-cover-raccoon-damage","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/","title":{"rendered":"Does homeowners insurance cover raccoon damage?"},"content":{"rendered":"<p>Raccoons are cute and intelligent creatures, but they can also wreak havoc on your property. From rummaging through your garbage bins to damaging your roof, these furry critters may leave you wondering if your homeowners insurance covers raccoon damage. Well, the answer is&#8230; <\/p>\n<p>**YES, homeowners insurance typically covers raccoon damage.**<\/p>\n<p>While every insurance policy is different, most homeowners insurance policies provide coverage for damage caused by raccoons. This includes damage to your roof, attic, or other parts of your property. However, it&#8217;s important to understand the specifics of your policy and any limitations or exclusions that may apply.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/#FAQs_about_homeowners_insurance_coverage_for_raccoon_damage\" title=\"FAQs about homeowners insurance coverage for raccoon damage\">FAQs about homeowners insurance coverage for raccoon damage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/#1_What_types_of_damage_caused_by_raccoons_are_covered\" title=\"1. What types of damage caused by raccoons are covered?\">1. What types of damage caused by raccoons are covered?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/#2_Will_homeowners_insurance_cover_damage_inside_my_house\" title=\"2. Will homeowners insurance cover damage inside my house?\">2. Will homeowners insurance cover damage inside my house?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/#3_Does_homeowners_insurance_cover_extermination_costs\" title=\"3. Does homeowners insurance cover extermination costs?\">3. Does homeowners insurance cover extermination costs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/#4_Are_there_any_coverage_limitations\" title=\"4. Are there any coverage limitations?\">4. Are there any coverage limitations?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/#5_Are_there_any_exclusions_related_to_raccoon_damage\" title=\"5. Are there any exclusions related to raccoon damage?\">5. Are there any exclusions related to raccoon damage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/#6_Can_I_prevent_raccoon_damage_from_being_covered\" title=\"6. Can I prevent raccoon damage from being covered?\">6. Can I prevent raccoon damage from being covered?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/#7_Is_there_a_deductible_for_raccoon_damage_claims\" title=\"7. Is there a deductible for raccoon damage claims?\">7. Is there a deductible for raccoon damage claims?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/#8_What_should_I_do_if_I_discover_raccoon_damage\" title=\"8. What should I do if I discover raccoon damage?\">8. What should I do if I discover raccoon damage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/#9_Will_my_rates_increase_if_I_file_a_claim_for_raccoon_damage\" title=\"9. Will my rates increase if I file a claim for raccoon damage?\">9. Will my rates increase if I file a claim for raccoon damage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/#10_Can_I_add_additional_coverage_for_raccoon_damage\" title=\"10. Can I add additional coverage for raccoon damage?\">10. Can I add additional coverage for raccoon damage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/#11_What_if_my_raccoon_damage_claim_is_denied\" title=\"11. What if my raccoon damage claim is denied?\">11. What if my raccoon damage claim is denied?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/#12_Can_I_take_any_preventive_measures_to_reduce_raccoon_damage\" title=\"12. Can I take any preventive measures to reduce raccoon damage?\">12. Can I take any preventive measures to reduce raccoon damage?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_about_homeowners_insurance_coverage_for_raccoon_damage\"><\/span>FAQs about homeowners insurance coverage for raccoon damage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_What_types_of_damage_caused_by_raccoons_are_covered\"><\/span>1. What types of damage caused by raccoons are covered?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHomeowners insurance usually covers damage caused by raccoons, such as torn or missing shingles, damage to roofing structures, broken vents, and damage to insulation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Will_homeowners_insurance_cover_damage_inside_my_house\"><\/span>2. Will homeowners insurance cover damage inside my house?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, if raccoons gain entry into your house and cause damage, such as tearing up walls, damaging ductwork, or ruining your belongings, homeowners insurance may cover the cost of repairs or replacements.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Does_homeowners_insurance_cover_extermination_costs\"><\/span>3. Does homeowners insurance cover extermination costs?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, homeowners insurance typically does not cover the cost of raccoon extermination. This is usually considered a maintenance issue and homeowners&#8217; responsibility.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Are_there_any_coverage_limitations\"><\/span>4. Are there any coverage limitations?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, there may be limitations on the coverage provided for raccoon damage. Some policies might only cover a certain amount, such as $500, while others may provide full coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Are_there_any_exclusions_related_to_raccoon_damage\"><\/span>5. Are there any exclusions related to raccoon damage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nExclusions can vary between insurance policies. Common exclusions may include damage caused by raccoons that enter through an open or unsecured entry point or intentionally caused damage by the homeowner.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_I_prevent_raccoon_damage_from_being_covered\"><\/span>6. Can I prevent raccoon damage from being covered?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, if you fail to take reasonable steps to protect your property from raccoon damage, your insurance company may deny your claim. This could include neglecting to repair a broken window or leaving garbage accessible to raccoons.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Is_there_a_deductible_for_raccoon_damage_claims\"><\/span>7. Is there a deductible for raccoon damage claims?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, homeowners insurance usually has a deductible that you must pay before your coverage kicks in. The amount of the deductible can vary depending on your policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_What_should_I_do_if_I_discover_raccoon_damage\"><\/span>8. What should I do if I discover raccoon damage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you find raccoon damage, take photos of the damage as evidence. Contact your insurance provider to file a claim and follow their instructions for assessment and repairs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Will_my_rates_increase_if_I_file_a_claim_for_raccoon_damage\"><\/span>9. Will my rates increase if I file a claim for raccoon damage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nFiling a claim for raccoon damage may result in an increase in your homeowners insurance rates. It&#8217;s important to weigh the cost of repairs against potential rate increases before deciding to file a claim.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_I_add_additional_coverage_for_raccoon_damage\"><\/span>10. Can I add additional coverage for raccoon damage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSome insurance companies offer additional coverage options specifically for wildlife damage, including raccoons. It is worth considering if you live in an area prone to raccoon activity.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_What_if_my_raccoon_damage_claim_is_denied\"><\/span>11. What if my raccoon damage claim is denied?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf your claim is denied, review your policy to understand the reason for the denial. You may consider appealing the decision, providing additional evidence, or seeking legal advice if necessary.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_I_take_any_preventive_measures_to_reduce_raccoon_damage\"><\/span>12. Can I take any preventive measures to reduce raccoon damage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can take several preventive measures to reduce raccoon damage, such as securing garbage bins, removing potential food sources, trimming trees near your house, and sealing off any potential entry points. It&#8217;s important to maintain a raccoon-proof home to minimize the risk of damage and potential insurance claim issues.<\/p>\n<p>Remember, every insurance policy is unique, so it&#8217;s crucial to thoroughly review your policy and discuss any specific concerns or questions with your insurance provider. By understanding your coverage, you can ensure that you are adequately protected against raccoon damage and have peace of mind.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Raccoons are cute and intelligent creatures, but they can also wreak havoc on your property. From rummaging through your garbage bins to damaging your roof, these furry critters may leave you wondering if your homeowners insurance covers raccoon damage. Well, the answer is&#8230; **YES, homeowners insurance typically covers raccoon damage.** While every insurance policy is &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Does homeowners insurance cover raccoon damage?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/does-homeowners-insurance-cover-raccoon-damage\/#more-159426\">Read more<span class=\"screen-reader-text\">Does homeowners insurance cover raccoon damage?<\/span><\/a><\/p>\n","protected":false},"author":39,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-159426","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does homeowners insurance cover raccoon damage?<\/title>\n<meta name=\"description\" content=\"Raccoons are cute and intelligent creatures, but they can also wreak havoc on your property. 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