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Even if you have extreme ophidiophobia (fear of snakes), don’t try to shoot or kill them with a shovel. Besides being pretty cruel, killing snakes in most states is illegal unless your life is at risk and many species are protected. 

Plus, you're putting yourself at greater risk using these techniques if it goes wrong and the now-angry snake is venomous.

Raccoons in a chimney sound like thumping, rustling, scratching, or scurrying. Because they can weigh as much as 20 pounds, they make noises that are noticeable and hard to miss. Plus, they have an average litter size of 3 to 7 kits, so you may hear what sounds like multiple animals thumping, rustling, scratching, or scurrying.

Roaches won’t sting your pets and don’t have venom like spiders do , but they present other dangers. Cockroaches are notorious carriers of diseases like salmonella and parasites like tapeworms. Because they’re so dirty, their bites (otherwise harmless) can also get infected. You don’t want your pets chasing and trying to eat cockroaches, or sleeping near a roach infestation. 

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.