Does your homeowner insurance cover if a skunk sprays under your house?

Home Insurance for Skunk Vandal?No. A skunk is not a vandal. it is a pest and this is a maintenance issue. If your home foundation is properly skirted and vented a skunk could not get under it.

Also a skunk odor is a temporary odor that will dissipate usually in a few days or a week or two at most. It may be a nuisance but it is not a covered peril under the terms of a homeowners insurance policy.

If you want to get rid of the odor a little faster just throw some Tomato Juice around wherever you think the skunk sprayed. It should accelerate the dissipation of the odor. It would not make since for an insurance company to spend thousands of dollars in claims adjustment time just to send someone to your home to spray around with a 5 dollar bottle of tomato juice.

If you insist they do this then they will probably cancel or non-renew your home insurance policy due to a nuisance claim.

AnswerWell, a skunk sprayed in my house! And I do believe it should be covered under the vandalism clause.

As of now they are saying no but have yet to respond to me regarding it being covered under the vandalism clause

AnswerThe only way would be if someone purposely put a skunk in your home knowing it would spray.