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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.

If the cat is stray (you noticed a collar or other signs of domestication), the kind thing to do is to try and find the owner. Call around to other neighbors to see if they can lead you in the right direction. If you can get close enough to snap a picture, try posting an image of the cat to local community groups and pages on social media. 

If the cat is feral, you can try to humanely trap them and participate in a local shelter’s TNR program. Before attempting capture, call around to local rescues and shelters to make sure one near you does participate in a TNR program. They may even be able to catch the cat for you.

Professional treatments can be immediate but may require follow-up for complete effectiveness, lasting several weeks.

The best deterrents for possums include securing trash cans with tight-fitting lids, removing outdoor food sources like pet food or fallen fruit, and trimming tree branches that provide access to your roof or an open window. Motion-activated lights or sprinklers can also startle and discourage them from visiting. Additionally, you can take advantage of their strong sense of smell by using garlic, onion, or commercial possum repellents to keep them off your property.