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A standard homeowners insurance policy will often cover raccoon damage in an attic, on a roof, or in other areas of a home’s structure. If you have raccoons removed and discover structural damage, file a claim. However, homeowners insurance typically won’t cover the repair or replacement of personal items that you may have stored in an attic.

Using rat poison in your crawl space can be risky. While it may kill rats, they can die in hard-to-reach places, causing foul odors and attracting other pests. Yikes. Moreover, secondary poisoning can happen to pets if they consume poisoned rats. If you decide to use poison, consult a local exterminator for guidance to ensure safety and effectiveness.

Spider egg sacs are meant to last, so you can't crush them. One of the best ways to deal with them is to vacuum them up and then quickly dispose of your debris in the trash so the egg sacs leave your property permanently. Egg sacs surrounded by little spiderlings means that it has already hatched, but you may be able to catch many of these with a vacuum cleaner, too.

Many policyholders wonder if home warranties will cover pest control services. Unfortunately, for most basic plans, they don’t. However, some companies offer premium plans and add-ons that can cover pest control, but even these will often come with limitations. It's crucial to review the specific details of your home warranty policy to determine if pest control is covered and to understand any limitations, such as maximum payout amounts or specific pest exclusions.