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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.

According to the U.S. Environmental Protection Agency, pyrethrins and pyrethroids are the most common chemical compounds used to get rid of bed bugs. These chemicals force bed bugs out of their hiding spots and kill them on the spot so they are eliminated for good. Only professional exterminators can apply these treatments, and they are reserved for severe infestations.

An outdoor mister can help repel certain bugs like mosquitoes, flies, and other pests. However, not all pesticides can be applied using a misting system. Mosquito treatments are particularly effective when applied this way because the insecticides that are inside of the water droplets dispersed through the area land in the places where mosquitoes (and their larva) are most likely to congregate.

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.