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It is very difficult to remove a colony entirely without using some kind of insecticide. However, some treatments are safer than others. Diatomaceous earth is a non-toxic powder application that creates barriers that insects can’t pass through. Some pest control companies offer liquid nitrogen treatments to freeze out termites without using pesticides. Some chemical treatments are safer to use around plants, water, and wildlife than others. Bait stations are generally less damaging to the environment than sprayed termiticides.

Some species of bees (not to mention hornets) are aggressive and dangerous to have in your walls. If they swarm in anger or defense, they could badly hurt people in your home. Other species of bees are largely harmless and many people live in close proximity to them.

Either way, bees making hives in your walls usually causes damage. It can contribute to moisture problems, and attract other pests. Those problems get even worse if honeycombs build up. So we strongly suggest you find a way to keep bees from taking up permanent residence.

Groundhogs are non-aggressive animals that are afraid of humans. They forage for vegetation in yards and gardens, so they can often be seen as a nuisance if you spot one on your property. That said, if you happen to get bitten or scratched by a fearful groundhog, be sure to get checked by a doctor, as they could carry infections or diseases like rabies, Lyme, or the rare tularemia.

It’s very rare that home insurance covers an exterminator. Pest problems aren’t covered under standard home insurance. They’re typically considered ongoing events that could have been prevented, which makes them ineligible. Some insurance companies will specifically ban termite and rodent services because costs can be high. However, a sudden and unstoppable infestation, especially one that resulted because of a sudden event like storm, may be covered. Call your insurance company and ask about the details if you aren’t sure.