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Skunk Inflicts Odorous Damage to HomeThe cost of a few bottles of deodorizers, neutralizers and sanitizers along with a good scrubbing will do as much as anyone else could do and it's likely far below your Policy deductible.

I'd just go spend a hundred dollars on a variety of cleaners and odor removers and then air out that area of the house as much as possible, throw out anything that was absorbent. Probably still less than the deductible. Not to mention the possibility of an increased premium at renewal time due to prior claims and a loss of any claim free discounts.

AnswerTo add, to that response, it depends on your insurance company. The standard exclusion under almost every homeowner's policy with regards to this: "birds, vermin, rodents, insects, or animals owed or kept by an insured".... Read between the lines- its not an absolute animal exclusion as original response suggests. Pull your policy and read it. AnswerSo, a skunk is not a bird, rodent, insect, nor an animal kept by you (I would hope), BUT, they MAY be considered "vermin". Now, I have had 2 clients with the same claim (skunk contamination), one insurance company covered it, but the other did not. The one that did not cover it felt skunks fell under the "vermin" definition. If your insurance company defines skunk as vermin, i would suggest you find a new insurer. Even worse, if they try to invoke the "pollutant" exclusion, fight them on it! The company that covered the skunk claim has a 5 letter name, begins with "C" and ends with "B"...

Source- 10 years insurance industry experience.

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11y ago
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11y ago

It's doubtful. Most homeowner policices won't cover certain animals. Vermin, rodents, insects, etc. Even if they don't consider the skunk a excluded animal its "stink" is considered a pollutant which is specifically excluded from most policies. So if your home is sprayed by a skunk your insurance policy won't be able to help you out. It stinks!

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