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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.

Common house roaches, typically American cockroaches or Periplaneta americana, usually live for around one year. The male American cockroaches survive for about one year, although the females may live up to 700 days. That’s because the reproductive cycle alone can last around 600 days for this type of cockroach.

While water bugs are considered generally harmless to humans, they can bite humans if threatened. Cockroaches are often incorrectly mistaken for water bugs. In this case, cockroaches can bite but are unlikely to bite humans. 

Water bug bites can be very painful and cause symptoms such as redness, swelling, and allergic reaction. Bites will usually heal on their own. However, if you experience severe symptoms or an allergic reaction, seek medical help immediately.

Most DIY roach fogger products are made of pyrethroid pesticides that come with their own unique risks and benefits. They also contain aerosol propellants that disperse the pesticides by creating a fog that fills the entire room. Read all labels carefully before purchasing a fogger product to ensure that you understand how to properly handle the ingredients that you are introducing into your home.