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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 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.

Ticks love conditions where humidity is 90% or higher, so most ticks will die within a few hours to a few days in the average climate-controlled house. 

Fogging keeps mosquitos away for an average of 72 hours. This is the length of time that a mosquito fogging machine will continue to operate at peak performance for pest control and protection. After the initial 72 hours, the fogger may still keep mosquitos away but will gradually decrease in effectiveness.