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It is possible, though unlikely, that a home insurance policy will help cover the costs of professional bat removal. However, some policies will chip in for guano removal and associated repairs, such as replacing drywall. Take some time to read the fine print of your homeowner’s insurance policy and call your provider to inquire about bat removal, guano removal, and related repairs.

DIY animal removal is rarely a good idea and is not advised for many reasons. First, these types of animals can carry diseases and, therefore, pose a health risk to you, your family, and your pets if mishandled. Second, depending on your city or municipality, it may be illegal to remove or handle wildlife yourself. 

Sealing your home against these animals yourself is also a bad idea. Trapping an animal under your house will cause odor and insect problems when it passes away. 

Identifying the specific animal running on your roof at night can be challenging without direct observation. Common nocturnal roof visitors include raccoons, squirrels, opossums, and rats. Raccoons are bigger and can create heavy thumping sounds. Squirrels are agile and may produce rapid scurrying noises. Opossums tend to move stealthily with less noise. Rats can make scratching or gnawing sounds. To determine the culprit, look for signs like footprints, droppings, or damaged areas near the roof. For accurate identification, consult a pest control professional or set up wildlife cameras near potential entry points.

It can be difficult to know what type of animal is in your attic until you see it. But several clues can help you narrow down the suspects:

• Sounds: Smaller animals like rats and mice make scurrying and tapping/gnawing sounds. Larger animals like raccoons and opossums make louder clambering noises. Also, note when animals are noisy: Squirrels are active during the day, while rats are busiest at night.

• Droppings: Rats and mice leave small, rice-shaped droppings (the rat’s version is significantly larger). Bigger droppings belong to larger critters like raccoons. As long as you’re not squeamish, an image search can help you identify what you’re seeing in your attic.

When in doubt, take photos of damage or other evidence and show them to an experienced pest control pro.