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A standard homeowners insurance policy will often cover raccoon damage in an attic, on a roof, or in other areas of a home’s structure. If you have raccoons removed and discover structural damage, file a claim. However, homeowners insurance typically won’t cover the repair or replacement of personal items that you may have stored in an attic.

Luckily, spiders rarely “infest” a home like many other pests. They don’t tend to live in groups except when first born, and prefer their space. But you can prevent them from gaining entry by making sure your home is well-sealed and free of other insects. You can also lay down barrier sprays or powders designed to repel or kill spiders. Professionals can also lay down these barriers to prevent future spider problems.

Spiders are not typically attracted to bedding as a primary source of food or shelter, but they sometimes inadvertently end up there. Spiders can hitch a ride on your clothing, belongings, or through open windows and doors. The underside of a bed, especially if it's near a wall or corner, can provide such a sheltered spot where they can hide and build webs. Dust and clutter under your bed can create ideal hiding places as well. If your room has other insects like flies or mosquitoes, spiders may be drawn to the area in search of prey. 

In many places, killing bees or destroying a hive is discouraged or regulated due to their crucial role as pollinators. Specific laws vary by region, and certain bee species are protected due to declining populations. Some states require permits or restrict who can remove or exterminate bee colonies. Always check local laws before attempting to manage or remove a beehive.