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Allowing wolf spiders to reside in your home can have benefits, as they serve as natural exterminators, preying on insects and pests that could become problematic. Their presence can help keep your residence relatively free of nuisance insects such as flies, ants, and cockroaches, reducing the need for chemical pesticides. Wolf spiders are generally not hostile towards humans, and their bites, although painful, usually don't result in a significant medical concern. If you can coexist peacefully with these spiders and recognize their role in maintaining a balanced ecosystem within your household, they can contribute to a healthier and pest-reduced environment.

Termites, carpenter ants, and wood-boring beetles can move from wood furniture to other areas of your home. If you notice signs of bugs in wood furniture, it's best to remove and isolate it for treatment. Remember that it can be difficult to identify which type of pest you are dealing with, and they can already be in areas of your home.

If DIY methods don’t work or you don’t know which pest it is you should contact an exterminator if you are showing signs of wood-eating pests to prevent further damage.

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.

Roof rats get their name because they’re most often found in attics or the area around the attic. They often use tree limbs that hang over a roof to get into a home’s attic and look for shelter. Once inside, they not only like the attic space but can also burrow themselves into soffits or small holes in the ceiling and build their nest.