Humans have always had some sort of relationship with nature. We keep certain animals as pets, and keep other animals to provide us with certain types of food. We like to live in areas surrounded by nature, as evidenced by the 46 million people living in the Wildland Urban Interface (WUI), which is the transition between unoccupied land and human development, such as dwellings, stores and offices. This interface isn't just vegetation but includes a host of wild animals such as squirrels, raccoons, possums, skunks and other creatures. However, as humans move into these interface areas, the interactions between humans and the creatures becomes complicated.

Humans build nice houses, and many animals take note and decide the human dwelling would be a nice place for them to nest too. Raccoons, squirrels, and bats in the attic, raccoons and skunks under the porch, are just some of the ways wild animals have decided to move into our dwellings and camp out.

Unfortunately, the animals aren't the best tenants; they create their own entrances, tend to make a mess when they build nests, don't use the bathroom, preferring to just relieve themselves wherever when nature calls, and they almost always leave the property in a worse condition than when they found it. Homeowners then have to evict these bad tenants and clean up the messes.

Continue Reading for Free

Register and gain access to:

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis

Christine G. Barlow, CPCU

Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.  

More from this author ⟶