I'd call the insurance company! This is damage in the same way a fire is. My parents had a skunk (or skunks) under their house for several months. I remember visiting and getting something out of the cooler closet (the kind that has holes in the shelves to let cool air from under the house keep butter and such cool) and as I closed it my mother said "NO!" but it was too late. That cooler door and the toilet were keys that kicked off the skunks. The odor wasn't as great as this current experience, but it did fade away after a bit.....