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Questions Of Vermin and Rodents

Come every spring, the questions are the same: Is a skunk a rodent or vermin and therefore excluded under a homeowner's policy? I've got the answer for you.

By Christine G. Barlow | Updated on April 21, 2011

In the fall the past several years, I’ve planted spring bulbs so that I have something to look forward to when the weather starts to warm up. Unfortunately, the rabbits seem to enjoy the bulbs as well. I’ve given up on growing crocuses since they seem to be a rabbit’s favorite snack, and currently I’m working on how to keep them away from the tulips (cat fur seems to be helping).

But my adventures with the rabbits pale in comparison to the experiences some homeowners have with other creatures like skunks, squirrels, and raccoons. Every year, the questions are the same: Is a skunk a rodent and therefore excluded under the homeowners’ policy? Is there coverage for any of the damage caused by the skunk?

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