Does homeowners insurance cover animal damage like squirrels or raccoons getting into the house?

This depends on your specific policy, but generally, most standard homeowners insurance policies do cover sudden and accidental damage caused by wildlife, like a raccoon tearing through a soffit or squirrels chewing through wiring. What's typically not covered is damage from an infestation that was left unaddressed for a long time, since insurers view that as a maintenance issue rather than a sudden event.

That distinction is exactly where things get complicated for homeowners, and it's also where we come in. A few things we help with:

• Documenting the damage properly so it's clear when and how it occurred
• Identifying what's likely covered versus what may fall under exclusions
• Communicating directly with your insurance adjuster on your behalf

Insurance claim assistance is a core part of what we do, not an add-on.