Here's why:
* Insurance coverage is determined by policy terms: Insurance policies, including those offered by State Farm, specify what is and isn't covered. Raccoon damage is usually not covered under standard homeowners' insurance policies as it's considered an excluded peril due to it being an animal-related issue.
* Texas laws don't dictate coverage: While Texas has laws regarding insurance practices and consumer protection, these laws generally don't dictate which specific events or damage insurance companies must cover.
* No known lawsuits or rulings: There are no publicly available records of any significant lawsuits or legal rulings in Texas forcing State Farm or other insurance companies to cover raccoon damage.
However:
* Certain exclusions can be waived: It's possible that some State Farm policies in Texas might offer optional coverage for animal damage, which could include raccoons.
* "Acts of God" coverage: In some cases, if raccoon damage is a direct result of a covered event like a storm or a fire, it might be covered under a homeowner's insurance policy.
Recommendation:
To confirm whether your State Farm policy covers raccoon damage, carefully review your policy documents or contact your State Farm agent directly.