Absolutely not!Yes. And the city is of no recourse.
A friend of mine had raccoon damage quite some time back, racking up over $10,000 in damages in their attic, so I feel lucky. His insurance tried telling him it wasn't covered, so since we have the same company, I did research. They cover squirrel damage, LOL. I sent him what I found, he fought them, the insurance, not the squirrels (though that woulda been awesome to watch!). They paid for his attic and a new roof.
Cute, they are, but not THAT cute.