Does Insurance Cover Raccoon Damage?

Raccoon intrusions into homes can lead to unexpected and often substantial damage, prompting many homeowners to question whether their insurance policies will cover the resulting costs. The answer to this common inquiry is not always simple, as coverage depends on various factors specific to an individual’s insurance policy and the nature of the damage. Understanding the nuances of homeowner’s insurance is important for determining if financial protection is available for these situations.

Understanding Policy Coverage

Homeowner’s insurance policies primarily fall into two broad categories regarding how they define covered events: “named perils” and “open perils.” A named perils policy, such as an HO-2 (broad form), specifically lists the types of events or “perils” for which coverage is provided. This means only damage caused by one of these enumerated perils will be covered. Conversely, an open perils policy, like an HO-3 (special form) or HO-5 (comprehensive form), offers broader coverage by insuring against all risks of direct physical loss to the property, except for those specifically excluded in the policy language. This distinction is important because while an HO-2 policy might not list animal damage as a covered peril, an HO-3 or HO-5 policy would cover it unless explicitly excluded.

Commonly Covered Damage Instances

Under an “open perils” homeowner’s insurance policy, certain types of damage caused by raccoons are typically covered, particularly when the damage is sudden and accidental. For example, if a raccoon chews through electrical wiring, leading to a fire, the resulting fire damage would generally be covered because fire is a standard covered peril. Similarly, if a raccoon gains entry by tearing a hole in the roof or a wall, causing structural damage, this direct physical damage is often included under the policy’s provisions. Secondary damage, such as water damage from a broken pipe caused by a raccoon or direct damage to personal belongings within the home, can also be covered.

Situations Not Typically Covered

Despite the broad coverage of some policies, there are common scenarios where homeowner’s insurance typically does not cover raccoon-related damage. Damage resulting from a lack of maintenance or neglect, such as failing to seal obvious entry points like uncapped chimneys or deteriorated vents, is generally excluded. Insurance policies are designed to cover sudden and accidental losses, not issues stemming from gradual deterioration or preventable conditions. Damage considered to be the result of a pest infestation, rather than a sudden incident, is often excluded; this can include long-term accumulation of waste, odors, or slow destruction of insulation. Preventative measures, such as the cost of sealing potential entry points before any damage occurs or regular pest control services, are also not covered.

Filing an Insurance Claim

When raccoon damage occurs, initiating an insurance claim involves several steps. The immediate priority after discovering damage is to ensure safety and take reasonable steps to prevent further damage, such as temporarily covering a hole in the roof to prevent water intrusion. Thorough documentation of the damage is crucial; this includes taking clear photographs or videos from multiple angles, detailing the extent of the damage, and making notes about the timeline of events. Next, contact your insurance provider as soon as possible to report the damage and begin the formal claim process.

During the claim initiation, you will typically provide your policy number and a detailed description of the incident. Understanding your policy’s deductible is important, as this is the out-of-pocket amount you are responsible for before your insurance coverage begins. An insurance adjuster will then be assigned to assess the damage, and it is important to cooperate fully, providing any requested documentation or access to the property. Once the adjuster completes their assessment, the insurance company will communicate their coverage decision and, if approved, offer a settlement based on the policy terms.