Insurance?
They are disgusting beasts. They are extremely athletic, can chew through almost anything, have a very strong homing instinct, are very smart and the females are vicious. They crap and pee all over the place and they don't mind getting their feces all over themselves to make tracts they can follow by scent. My neighbor had them in his unfinished attic (We were attached houses), so they were living one wall away from my living room. What a mess!
BTW if you are going to clean up those turds be careful! Racoon crap can carry some pathogens (Bayliscacaris procyonis). It's not common to get a human infection but it is possible. Use full protection. Heat kills the eggs. Disinfectants don't.