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It’s unlikely true water bugs will get into your home plumbing system. You may find them in gutters, rain barrels, or open irrigation on your property. If there are bugs near your indoor pipes, leaky sinks, or other moist places, they are probably Oriental cockroaches. Consult a pest control professional to determine the pest hiding out in your plumbing system.

It’s debatable, but most will say either termites or bed bugs are the hardest to remove. When dealing with termites, you must find the central nest (as opposed to satellite nests) and exterminate the queen and all potential queens, which often takes the work of a specialist. Bed bugs, meanwhile, are incredibly hardy, good at hiding, and resistant to pesticides, so it takes very careful, very thorough work to get rid of them permanently. 

No, pest control is not covered by home insurance. This is considered routine maintenance that is the responsibility of the homeowner. Although this may be discouraging news, don’t let it deter you from taking care of your home so you can prevent pests from entering and becoming a bigger nuisance. Otherwise, you may have a bigger problem on your hands that you’ll also have to cover out-of-pocket.

Besides reptile sightings, look for droppings resembling small pellets. Shed skin left behind during growth is another clue. Unusual chirping or rustling sounds could also suggest an infestation. If unsure, consulting a professional can provide accurate identification and effective solutions for managing the situation. If proper pest prevention measures aren't taken, a lizard can live up to five years. And that's a long time to have an undesirable roommate.