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The type and amount of damage pests can cause to your home depends on the type of pest. Some pests, like rodents, often chew through wiring and can cause extensive damage to electrical systems, HVAC systems, walls, and insulation. Additionally, the pest’s waste presents a potential health hazard if it contaminates food or water. Other pests, such as termites, chew through floors, walls, and furniture, causing thousands of dollars in damage and making for costly repairs.

Roof rats can carry a variety of pathogens and parasites, including salmonellosis (food contamination), leptospirosis, trichinosis, rat-bite fever, murine typhus, plague, and toxoplasmosis. Diseases can be spread via urine, droppings, or saliva. To prevent transmission, it’s essential to promptly address a roof rat infestation and avoid direct contact with the animals where possible.

If squirrels set up a home in your attic, they can cause considerable damage. It’s not uncommon for them to chew holes in your roof, siding, or joists, and they can eat through electrical wiring. They might also travel to other parts of your home or into your wall cavities. Not to mention all that bacteria-filled feces and urine they spread around. 

For years, it was believed that hobo spider bites were incredibly dangerous, causing flesh-eating wounds. But the rumors of their bites were greatly exaggerated, and there's been no real evidence showing a connection between a hobo spider bite and necrotizing wounds. 

That said, the spiders can and do bite, usually as a defense response. They won't attack you unprovoked, but if you take them by surprise and get close enough, they may bite you. Their bites may cause some minor irritation or itchiness.