Usually not. Destruction by vermin (which raccoons would likely be classified as) is typically excluded from a standard homeowners policy.
Most policies exclude coverage for damage caused by animals, varmints, and insects.
Yes.
No.
No. Insurance does not cover mechanical problems.
er damage caused by windows
It should but you need to specify which insurance you have.
Basically, you have to pay for insurance. If you get into an accident, you are at least partly responsible for the damage that accident caused, whether or not you were at fault. Insurance helps to pay for that damage.
Typically, standard homeowners insurance policies do not cover damage to a foundation caused by earthquakes. You would need to purchase a separate earthquake insurance policy or rider to have coverage for this type of damage.
cover
No
Check with your agent. There may be some compensation for repairs, but not for ridding your home of the raccoons.
If you have insurance that include tornado damage, the insurance company will pay. If you haven't, the property owner has to pay himself. Cost of life.