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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.

The fastest method to get rid of moles is, unfortunately, not the most humane one. Poison baits and traps are the quickest way to get rid of a mole infestation. 

However, the poison can be dangerous and even deadly to other visiting animals, such as birds, cats, and dogs. The toxins can even affect predatory birds who eat the moles after they've consumed the poison.

Although raccoons aren’t particularly picky regarding food, certain sounds, metals, and smells bother them. You can place these items around your home to keep raccoons away:

• Place wire mesh screens around and underneath decks and porches to prevent raccoons from nesting. 

• Put metal sheeting around the edges of your roof or at the base of trees to deter raccoons from coming close. 

• Place a loud battery-operated radio near the raccoon’s den to keep them from nesting.

• Keep a bowl of cider vinegar on your deck or porch.

• Remove old raccoon scents by thoroughly cleaning and disinfecting underneath porches and decks.

Some suggest mothballs as a deterrent for iguanas, but they are ineffective and harmful. Mothballs contain chemicals like naphthalene or paradichlorobenzene, which are toxic to humans and animals, including iguanas. The fumes can cause respiratory problems, skin irritation, and other health issues. Moreover, using mothballs outdoors is not recommended, as they contaminate soil and water sources.