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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.

Luckily, skunks aren’t challenging to get rid of. You can try to remove them slowly by filling their den entryway loosely with newspaper. Many skunks notice their den is in jeopardy and take off on their own. You can also try making a homemade spray of jalapeno pepper, yellow onion, and cayenne pepper—believe it or not, skunks are sensitive to these smells, so if you spray this around the den or in hard-to-reach places around your property, most skunks will take the hint and leave. 

No, phorid flies do not bite humans or animals. However, they can still be harmful to humans. Since phorid flies feed on decaying organic matter and are found in unsanitary conditions, they can transmit disease organisms onto foods and food preparation surfaces. If you suspect that your home has a phorid fly infestation, protect your health by taking immediate action to eliminate it.

Silverfish can crawl on you in your sleep. They enjoy consuming dandruff and will crawl on your scalp for nourishment. They can also find their way to your hairbrushes and anywhere you’ve shed dandruff. It’s important to keep pillowcases, sheets and brushes clean to avoid making your bed hospitable for unwanted guests.