The leak isn't a coincidence — it's the same hole
It helps to be precise about what's actually happening physically. A raccoon doesn't cause a leak the way a burst pipe does, as a separate malfunction somewhere else in the house. The leak IS the entry hole, doing exactly what any breach in a roof's weatherproofing does the next time it rains. There's no extra mechanism required — a torn vent, a pried-open soffit seam, or a shingle ripped back is already a gap in the same layer that's supposed to keep water out.
That's why this page's honest answer is close to the popular one. Most of this hub exists to separate a real mechanism from an inflated number; here, the mechanism and the fear largely line up. A hole in a roof leaks. The nuance worth adding isn't whether it leaks, but how much it leaks and how fast, which depends on the breach size, the season, and how long it sits open.

