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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.

You should never block both the top and bottom of your chimney. Proper airflow is essential because the temperature inside the chimney will still fluctuate as your house warms and cools. Moisture can build up without ventilation, leading to dampness in your walls over time. Blocking the top prevents debris and animals from entering, but the chimney still needs air circulation to avoid condensation issues. Allowing the chimney to breathe maintains the health of your home and prevents long-term damage.

Seeing a termite swarm near your home is a strong indication that a colony is nearby, but it doesn’t always mean your home is infested. Swarmers may emerge from outdoor colonies or neighboring structures. However, if the swarm is inside your home or you notice discarded wings near windowsills, it likely means termites are nesting within your walls or foundation. A professional inspection is the best way to confirm and address a potential infestation ASAP.

Scented mouse deterrents, like peppermint oil, can be effective in the short term. The pungent smells may temporarily repel mice, but they lose effectiveness as the scent fades or mice get used to it. The main drawbacks are frequent reapplication and the fact that these deterrents don't address the root cause of the infestation, such as entry points or food sources. While they can be part of a broader strategy, scented deterrents alone are rarely enough to eliminate a mouse problem.