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From skunks, to opossums, to raccoons, to squirrels, the animals like to come inside. While they may be cute on the nature channel or at the zoo, when a homeowner finds a skunk in a crawl space or a raccoon in the attic the response is often dismay followed by “How do I get it out of there?” Then the insurance policy comes into play. Is there coverage for the damage caused by the animal? Was the animal a rodent or a vermin, what’s the difference, and why does it matter?

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