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The answer depends not on what state the damage occurred in, but what kind of coverage you have. If it is your car, damage from an animal is covered under "comprehensive" coverage. Look at the declarations page of your policy to see if you have this. For homeowners insurance, usually damage from larger animals, like raccoons is covered, but smaller animals, like rodents, termites, etc are not covered.

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Q: Does State Farm cover raccoon damage in Oklahoma?
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