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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.

Regular cleaning, proper food storage, sealing entry points, and professional inspections help prevent infestations.

A squirrel in a chimney may sound like gnawing since they like to chew through a wide range of materials. You may also hear a persistent scratching sound if they’re trapped inside and unable to get out themselves. Other evidence of a squirrel in your chimney includes holes on or around your chimney as well as droppings or damage to roof shingles or wiring.

As a general rule, if you hear an animal in your attic, don’t assume it will stay there. Animals are drawn to warmth and food sources, which could lead them to other parts of your house. In particular, it’s likely that small pests such as rats and mice that only need tiny gaps to squeeze through will end up in your walls and ductwork. Larger animals like raccoons may be limited to an enclosed attic.