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A standard homeowners insurance policy will often cover raccoon damage in an attic, on a roof, or in other areas of a home’s structure. If you have raccoons removed and discover structural damage, file a claim. However, homeowners insurance typically won’t cover the repair or replacement of personal items that you may have stored in an attic.

Yes, crawl spaces can attract bugs, especially since moisture tends to build up in the space, and moisture attracts pests. A good way to prevent pest infestation in your crawl space is to install a vapor barrier—called crawl space encapsulation—on the interior to seal the space, along with a French drain or some other kind of foundation drainage system outside to keep runoff out of your crawl space. You can also seal foundation cracks and repair damages to cut off access to pests.

No, skunks are not considered aggressive and are typically very gentle, mild-mannered creatures. However, when they’re provoked, they do emit their potent spray as a defense mechanism. Skunks are also useful creatures to have near your property since they eat insects and will likely leave you and your pets alone unless they’re startled.

While water bugs are considered generally harmless to humans, they can bite humans if threatened. Cockroaches are often incorrectly mistaken for water bugs. In this case, cockroaches can bite but are unlikely to bite humans. 

Water bug bites can be very painful and cause symptoms such as redness, swelling, and allergic reaction. Bites will usually heal on their own. However, if you experience severe symptoms or an allergic reaction, seek medical help immediately.