Many rural communities must share space with wildlife, including bears, which can “become aggressive in their pursuit of an easy meal,” according to Colorado Parks & Wildlife. This bear was busted rifling through garbage in the front yard of a home in Juneau, Alaska. (AP Photo/Becky Bohrer)

Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website.

Question: We have a client who had a raccoon get into the attic. It damaged the attic and left urine that seeped into the ceiling of the house.

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