Is an Animal Living Under Your Porch? Here’s What to Do Next

Ray Cogan
raccoon lays on deck railing

As a homeowner, you’ve probably entertained guests who overstayed their welcome. But unlike your in-laws or a former college roommate… an animal that’s made itself at home on your property has no intention of leaving.

Some of the usual suspects include raccoons, opossums, woodchucks, skunks or the occasional stray cat. And while they’re just looking for a safe place to call home, you’d probably prefer it wasn’t under your porch or shed.

How can I tell if an animal is living under my porch?

Wondering if an animal has decided to move in? Here are some things you should look for:

  • Animal sightings: This one’s obvious. But if you see an animal entering and exiting the space below your porch multiple times, there’s a high likelihood it’s not just visiting. Of course, many nuisance animals are nocturnal. So if you want to catch them in the act, think about investing in a motion-sensor trail camera – many models can be found for less than $50 online.
  • Damage: One of the reasons animals are worth evicting from around your home is the damage they can do to your home and property. Look for burrow holes, gnawed wood and eaten vegetation around the area.
  • Paw prints: Spread a light dusting of sand or flour around your porch at night, then check for prints in the morning.
  • Droppings : We know – ewww. But animal droppings, or scat, can help you confirm the identity of your newest neighbor.

How can I get the animal to leave?

When evicting an animal near a house, many well-meaning homeowners turn to live traps as a humane solution for removal. But according to experts, the trap-and-release method rarely ends well for captured animals. You could separate a mother from its young, or the animal could have difficulty thriving in the area you choose to release it.

So instead of setting a trap, try to convince the animal to move out on its own. Here are some ways to persuade an animal into finding a new home:

  • Noise: Chances are, the animal you’re trying to evict decided to move in because it found a safe, quiet space under your porch. Leaving a radio playing under your porch for a few days can send it searching for a more tranquil home.
  • Light: Animals like raccoons, possums, groundhogs and skunks like dark, quiet spaces. Plugging in a strobe light or some flashing Christmas lights near the problem area can serve as another good deterrent.
  • Scents: If you’ve pinpointed the type of animal living under your porch, try buying some granular repellent to spread around the area. You could also try a rag soaked in a strong-smelling (but non-toxic) solution, like apple cider vinegar.
  • Call a professional: If you’re not having any luck evicting an animal on your own, consider calling a professional pest removal company. They’ll make sure the animal is removed safely and humanely.

How do I keep an animal from returning?

Once you’re sure the animal has moved out, it’s time to keep it out for good. Similar to preventing smaller creatures like bats and squirrels from entering your home, you should start by sealing off the area. For decks and porches, you can use decorative lattice with some wire mesh behind it. Just be sure to bury the bottom of the barrier so animals are unable to sneak underneath it. For sheds and other buildings, fill in any burrow holes with dirt. Then, spread animal repellent in the area a few times each year.

Does my homeowners insurance cover animal damage?

Generally speaking, damage from animals is not covered by your homeowners insurance. That’s because it’s considered a home maintenance issue, since the damage is gradual – as opposed to a sudden event, like your neighbor’s tree falling on your roof . An insurance professional like an Erie Insurance agent can help you understand what your insurance does (and doesn’t) cover. Find a local agent in your neighborhood to ask questions or get a customized homeowners insurance quote.

dock in Annapolis MD
By Ray Cogan June 10, 2025
Whether you're grilling in the backyard in Annapolis or planning a mountain getaway from Frederick, our team is just a phone call or email away. Let’s have that conversation now, so your summer, and every season after, is secure. Contact us today for an appointment with our experienced insurance specialists. Serving Annapolis and Frederick, MD
employee taking inventory
By Ray Cogan May 26, 2025
At Lindquist Insurance, we offer personal, proactive service that keeps you focused on growth, not guesswork. Whether you're expanding, hiring, or just refreshing for the season, we’re here to ensure your business is covered from every angle. Call us today at (301) 694-0008 or visit www.lindquistinsurance.com to schedule your Spring Business Insurance Checkup. We serve the Annapolis and Frederick, MD area.
By Ray Cogan May 12, 2025
Spring brings longer days, blooming landscapes, and unpredictable weather for businesses in Annapolis and Frederick, Maryland. Storms in the Mid-Atlantic can bring heavy rain, flooding, hail, and strong winds, often leading to costly damages for business owners. That’s why now is the perfect time to evaluate your business insurance coverage and ensure you’re protected against the unique seasonal risks spring brings. *** Why Spring Storms Matter to Maryland Business Owners Maryland's spring weather is known for its volatility. Sudden thunderstorms, high winds, and localized flooding can affect both coastal towns like Annapolis and inland areas like Frederick. In 2022 alone, several businesses in Frederick County experienced power outages and property damage due to intense spring storms. Similarly, businesses near the Chesapeake Bay face storm surges and flash flooding, especially during early-season weather systems. For local businesses—from boutique shops in downtown Annapolis to industrial warehouses near Frederick’s tech corridor—spring weather disruptions can mean more than just cleanup. They can lead to business interruptions, loss of inventory, and expensive repairs. How Business Insurance Can Help Business insurance is a critical safeguard that provides financial protection when natural disasters strike. But not all policies are created equal. Understanding the specific coverages that protect against spring-related risks can make a big difference when it matters most. Here are the top types of business insurance you should review this season: 1. Commercial Property Insurance. This is the foundation of most business insurance policies. It covers your physical assets, such as your building, equipment, and inventory, if they’re damaged by covered perils like wind, hail, or lightning. If a windstorm damages the roof of your downtown Annapolis storefront or flooding ruins inventory stored in your Frederick warehouse, commercial property insurance helps cover repair and replacement costs. Be sure to check if your policy includes flood protection. You may need to purchase separate flood insurance, especially in flood-prone areas near the Chesapeake Bay. 2. Business Interruption Insurance. Also known as business income insurance, this coverage kicks in if your operations are forced to shut down due to storm-related damage. It covers lost income, payroll, rent, and other operating expenses during the downtime. Imagine a storm causes structural damage to your Frederick café, requiring you to close for two weeks. Business interruption insurance can help you stay afloat financially until you reopen. 3. Equipment Breakdown Insurance. Spring storms can lead to power surges and electrical issues, which can damage your essential equipment, like refrigerators, HVAC systems, or point-of-sale terminals. Equipment breakdown insurance helps cover the cost of repair or replacement, so your operations don't have to close temporarily. This is crucial for restaurants, retail shops, and healthcare facilities in Annapolis and Frederick that rely on specialized machinery. 4. Commercial Auto Insurance. If your business uses vehicles for deliveries, transportation, or service calls. Make sure your commercial auto insurance includes comprehensive coverage. This protects your vehicles from non-collision-related damages, including those caused by hail, fallen trees, or flooding. Local fleets operating between Annapolis and Frederick are especially vulnerable during spring travel, when roads may be slick or obstructed. 5. General Liability Insurance. Spring storms sometimes lead to unexpected hazards, like a slippery floor or fallen debris outside your storefront, that can cause injury to customers or passersby. General liability insurance covers medical costs, legal fees, and settlements if someone gets hurt on your property. This type of coverage is essential for public-facing businesses, such as those located along the bustling streets of Annapolis or in Frederick’s historic downtown district. Take These Steps Now to Stay Protected Review Your Policy with a Local Agent. Insurance needs vary depending on location, business type, and risk exposure. A local agent, like the experienced team at Lindquist Insurance, can assess your current coverage and suggest any needed updates tailored to the Annapolis and Frederick regions. 1. Document and Protect Your Assets. Take an inventory of your equipment, supplies, and property. Back up digital records and store documents off-site or in the cloud. This speeds up claims processing in the event of a loss. 2. Create a Spring Storm Preparedness Plan. Include emergency contact lists, backup power sources, evacuation procedures, and a communication plan for employees and customers. 3. Schedule an Annual Insurance Checkup. Use the changing season as a reminder to reassess your business insurance needs. Your business evolves—and so should your protection. At Lindquist Insurance , we’re proud to serve the business communities of Annapolis and Frederick, MD. Our goal is to help you weather any storm with confidence, knowing you’re covered where it counts. Whether you run a waterfront shop in Annapolis or a growing service business in Frederick, our team is ready to help you find the right business insurance solutions for the spring season and beyond. Contact our business insurance specialists today for a free business insurance review or call us at (301) 694-0008 or visit www.lindquistinsurance.com. *** For more information on Maryland weather, visit the Weather US website .
heavy traffic Lindquist Insurance
By Ray Cogan April 28, 2025
At Lindquist Insurance, we’re here to help you with your car insurance now and in the future. If you're thinking about switching your car insurance and live in Frederick, Annapolis, or Washington, DC, now is the perfect time to reach out. At Lindquist Insurance, our friendly local agents make the process simple, fast, and tailored to you. We’ll compare top providers, explain your options, and guide you every step of the way. Call Lindquist Insurance today at (301) 694-3008 or visit www.lindquisinsurance.com to request a free, no-obligation quote. We serve the Frederick, MD, Annapolis, MD, and Washington, D.C. areas.
young female driver
By Ray Cogan April 15, 2025
We offer car insurance in Frederick. We work with first-time drivers to find a policy that fits their needs and budget without sacrificing the coverage needed to drive confidently.
alarm clock and money - Lindquist Insurance
By Ray Cogan March 25, 2025
Our insurance agent in Frederick can save you time and money. We can navigate the complexities of insurance, ensuring you get the best coverage at the most affordable rates.
cop pulls woman over
By Ray Cogan March 10, 2025
Can you get car insurance in Frederick and surrounding areas with a poor driving record? Learn what you need to know about getting insurance with a less-than-perfect driving record.
engagement ring in red box
By Ray Cogan February 26, 2025
Your insurance agent in Frederick plays a pivotal role in safeguarding your valuables and ensuring that your cherished possessions and loved ones are well-protected.
couple at Valentine's Day dinner
By Ray Cogan February 18, 2025
Our insurance agency located in Frederick can help couples safeguard their assets, protect their loved ones, and ensure financial stability. Contact Lindquist Insurance today!
More Posts