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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.

Many policyholders wonder if home warranties will cover pest control services. Unfortunately, for most basic plans, they don’t. However, some companies offer premium plans and add-ons that can cover pest control, but even these will often come with limitations. It's crucial to review the specific details of your home warranty policy to determine if pest control is covered and to understand any limitations, such as maximum payout amounts or specific pest exclusions.

How often you need pest control depends on your infestation problem. If you have a one-off issue, such as a wasp nest in a high-traffic area, you shouldn't need regular service. However, if you live in an area prone to ticks, termites, and ants, you'll likely need at least an annual pest control service. If the problem is persistent and significant, you may need quarterly or monthly service.

While possums don’t typically carry rabies, they can have lice, fleas, ticks, and mites. According to the University of California’s Pest Management Program, possums can also carry diseases like leptospirosis, tuberculosis, toxoplasmosis, coccidiosis, and fevers. Possums are also the carriers of a parasite that can pass to horses and cats called Equine Protozoal Myeloencephalitis (EPM).