Will insurance cover or reimburse for hotel stay while my house has work done on it due to raccoon damage?

The homeowner insurance policy has some damages that are not a covered loss. Damages by vermin, insects and wild animals are a part of the exclusions to the policy. These types of damage are considered more a maintenance issue and not a sudden and accidental damage to the home. Maintenance issues are the responsibility of the homeowner and not the insurance company. It is unfortunate that this type of loss is not covered, but the insurance policy clearly states the items that are excluded from damage to the home. If you had an agent, they too should have pointed out that such damage is not covered.Since the damage to the home is not covered by the homeowner policy, the policy will also not reimburse you for costs to live elsewhere while the repairs are being made to the home. It is doubtful that additional costs to board the dog would have been covered either.