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Mud tubes, wood damage, and swarming are typical indicators.

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.

You’ll find that phorid fly larvae breed in moist, decaying, organic matter. When trying to locate a breeding site, thoroughly inspect the following places in your home: drain pipes, trash cans, garbage disposal, pet waste, rotting produce, plants, compost bins, and even under appliances like the stove and refrigerator where moist food may have dropped. It’s also possible for a breeding site to form inside of a wall, crawl space, or under your home’s foundation.

Carpet beetles do not bite humans, but their larvae can cause skin irritation that’s often mistaken for bites. These tiny, bristly larvae have barbed hairs that can lead to allergic reactions in sensitive individuals, resulting in red, itchy welts or rashes. While the irritation may resemble bug bites, it’s actually a response to contact with the hairs or shed skins, not an actual bite. Adult carpet beetles are harmless and primarily feed on pollen, but their larvae can damage natural fibers like wool, fur, or leather in carpets, clothing, and upholstery.