Get matched with top pest control specialists in Clarissa, MN

While cockroaches can contaminate appliances and their contents, they won't cause damage. Cockroaches can spread bacteria like E. coli and salmonella, making it important to keep them out of places where food is stored, such as a refrigerator. When it comes to electronics, however, cockroaches could potentially damage internal electrical components. As the pests navigate inside a TV or console, they may touch high-voltage components that could short out your product. This damage could lead to costly repairs or require replacements.

Rats are nocturnal creatures, meaning they are most active at night, typically from late evening through the early morning. They use the cover of darkness to explore, forage for food, and find water, as they feel safer and can avoid daytime predators and human activity. Their sharp senses, including keen night vision and hearing, are well-suited for navigating in the dark. Because they prefer to stay hidden during the day in secluded areas like walls or attics, you are more likely to spot signs of their presence—such as droppings or gnaw marks—before you see an actual rat.

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.

While many pests like rats, mice, ants, cockroaches, silverfish, and bed bugs can damage your home, termites are among the most destructive. By sheer dollar amount, the damage from a bad termite infestation is unparalleled, as they can ruin walls, floors, roofs, and wooden support materials, potentially requiring massive reconstruction. Other highly destructive pests include rodents, carpenter ants, and bees that build hives within walls. If you spot signs of termites or other pests, you should hire an exterminator immediately.