Animal Damage To The Property And How-To Mitigate

The great outdoors is full of exciting animals that you can appreciate from a distance. However, when these animals start to infiltrate our homes, they can cause all sorts of unintentional damage. It will help to know which animals can cause the most damage to your home to mitigate better any future issues you might face.

Most Common Outdoor Animals that Cause Property Damage

There are plenty of animals out there that can wreak havoc to your home. Keep in mind that this is a generalized list. Your city’s ecosystem might have more specific groups of animals that may or may not be included. Here is a list of the most common wildlife that can damage your home:

  • Skunks
  • Rodents
  • Snakes
  • Raccoons
  • Bears
  • Deer
  • Squirrels and chipmunks
  • Groundhogs
  • Pigeons
  • Bats
  • Woodpeckers Vultures

Some animals will only cause small amounts of aesthetic damage. Others can threaten your home’s entire infrastructure. Knowing the difference between these two groups can help you set up a more cohesive plan to prevent them from entering or damaging your home in the first place.

Does home insurance cover animal damage to property?

Most home insurance policies cover animal damage to property, so long as it’s by wild animals and not pets. The category of ‘pets’ will, of course, involve any animal that you own, and depending on the policy, may also include most domestic animals as a whole. For example, if a dog or cat causes the damage, your insurance may not cover it. If a wild raccoon or groundhog is responsible for the damage, then it is covered. 

Which animals cause the most damage?

These animals can pose a serious threat to either you or your home. Rodents such as mice, rats, squirrels, and chipmunks can crawl through any small crevice or gap in your house, make nests around your home, chew your wires and belongings, and spread diseases. They also pose a significant health hazard if they die within your walls.

Raccoons pose a similar threat in that they will likely tear up insulation and wiring. There is also the risk of catching rabies, should they bite you. Bats and snakes pose a similar hazard to your health.

Pigeons, groundhogs, and woodpeckers pose a threat to your home’s infrastructure itself. Groundhogs, woodpeckers, and pigeons will burrow holes directly into your home, leaving it susceptible to foundation and roof damage respectively.

Which animals cause the least amount of damage?

These animals are more nuisances than anything. For instance, Skunks can accidentally crawl into an open vent in your crawl space and make a home for itself there. If it becomes startled by anything, it may spray a stench directly into your HVAC system that could take months to remove.

Deer, vultures, and bears may knock over outdoor furniture, dig in trash cans, and even take bits of your roof or other outside furnishings with them. In the case of bears, they also pose a significant physical threat to you. It’s never a good idea to approach a wild animal, no matter how harmless you think it looks.

How to mitigate animal damage

How can you stop these animals from damaging your home? You, as a homeowner, will first need to call animal control to have them safely removed. Once you’re sure all the animals are gone, you should contact a basement, crawl space, or foundation expert to look at how they can go about repairs.


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