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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.

Spraying for mosquitos is better than fogging. A mosquito barrier spray is designed to linger on surfaces and kill mosquitos for up to three weeks, and repeated visits from your pest control pro can keep mosquitos out of your yard all season long. Fogging is a short-term fix that only works for about 72 hours and doesn't kill mosquito larvae or eggs. If you’re concerned about the environment, a natural mosquito repellant may be better than either fogging or spraying.

Since fleas reproduce so quickly, the mere presence of one flea could mean you have an infestation on your hands. Hundreds and even thousands of fleas can lurk in your pet’s fur, carpet, furniture, and even your body. If you see fleas jumping on household items or notice your pet scratching more than usual, those are signs of infestation.

No; ticks rarely infest buildings. They prefer to stay outdoors waiting for a potential host to pass by. However, while ticks do not infest beds, they can get indoors by attaching themselves to pets, clothing, or outdoor gear. A live tick may survive in your bed for around 24 hours, but it certainly won’t breed or start an infestation.