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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.

There are some clear signs of a termite infestation, including damaged drywall, bubbling under paint, peeling paint, sagging or loose boards, and more. Termites typically leave behind a trail on the surface and interior of your drywall as they chew through it. Look for small, pin-sized holes in drywall or wallpaper to determine whether termites have made their way inside.

Finding mouse droppings without seeing any mice is a common sign of an infestation because mice are nocturnal and skilled at hiding from humans. Droppings are often the first and most visible evidence of their presence. The location, quantity, and freshness of the droppings can help you determine where the mice are most active and how severe the infestation might be. Since mice are active at night and often travel through hidden pathways like inside walls, you may not see them directly. It's important to look for other signs of an infestation, such as gnaw marks, scratching sounds, or greasy trails along walls. If you find droppings, consider setting traps or contacting a professional exterminator to address the issue.

While keeping any critter away permanently isn’t always possible, you can keep mice away from your home by setting traps, fumigating your space, and sealing known entry points. Once you’ve taken these steps, take time to work on prevention measures, such as clearing out all clutter and recyclables and removing all food sources.