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If a small hive is far enough from your home and doesn’t seem to pose a threat to the health of anyone, then you can opt to leave it alone. They are still pollinators; if you have a garden, they’ll tackle some gardening work for you and produce helpful results without harming you.

Many different types of animals like to build nests in attics. The types may vary depending on your home’s condition and location and you can prevent them by sealing off entry points and eliminating food sources. The most common critters that like to build nests in your attic include:

• Raccoons

• Bats

• Squirrels

• Mice

• Rats

If the cat is stray (you noticed a collar or other signs of domestication), the kind thing to do is to try and find the owner. Call around to other neighbors to see if they can lead you in the right direction. If you can get close enough to snap a picture, try posting an image of the cat to local community groups and pages on social media. 

If the cat is feral, you can try to humanely trap them and participate in a local shelter’s TNR program. Before attempting capture, call around to local rescues and shelters to make sure one near you does participate in a TNR program. They may even be able to catch the cat for you.

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.