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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.

Ticks aren't dangerous, but their bites are often imperceptible thanks to a numbing agent in their saliva. They can carry and transmit pathogens to people and animals, leading to diseases such as anaplasmosis, babesiosis, and Lyme disease. So if you live in a region with a high tick prevalence, tick treatment is worthwhile to keep your family and pets safe.

Typically, bed bugs live for four to six months. However, they can live even longer in cool conditions without any food. Bed bugs breed frequently, giving rise to dozens of babies that can quickly infest your home, so it’s best to keep a vigilant eye out if you suspect bed bugs may be around.

If your stump has a pest problem, don’t worry; it won’t slow down the stump grinding process. It might even speed it up. But you may want to contact pest control afterward if it looks like a spreading infestation.