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The signs of a bed bug infestation include itchy, red bite marks on the skin and various forms of physical evidence on or near your bed. Look for reddish or rust-colored stains on sheets from crushed bed bugs, as well as small, dark fecal droppings. You might also find the bugs themselves, their tiny eggs, or the pale, molted skins (casings) they leave behind. In some cases, a persistent musty odor may be present. If you notice any of these signs, calling a professional exterminator is the most effective way to handle the infestation.

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.

Bed bugs typically will not go away on their own. If there are no humans or animals around, they will need to leave to find a host for feeding. But otherwise, bed bugs can live for several months to a year, and the adult females can lay hundreds more eggs in their lifetime. An infestation is only likely to get worse without hiring an exterminator.

Bed bugs typically live between 10 months to one year, but they lay enough eggs that an infestation can continue to multiply and worsen without professional intervention. These pests can survive up to one year without eating, so you can’t expect a bed bug infestation to resolve without proper treatment.