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No, pest control is not covered by home insurance. This is considered routine maintenance that is the responsibility of the homeowner. Although this may be discouraging news, don’t let it deter you from taking care of your home so you can prevent pests from entering and becoming a bigger nuisance. Otherwise, you may have a bigger problem on your hands that you’ll also have to cover out-of-pocket.

The time it takes for termites to damage a house varies, but it generally does not happen within days or weeks. Significant structural damage typically takes several months or years to occur, with serious damage often taking 3 to 8 years. The rate of destruction depends on factors like the termite colony's size and maturity, the type of wood they are feeding on, and local conditions. It can take 3 to 5 years for damage to become visible and 5 to 6 years for the home's structural integrity to be compromised. However, some species, such as Subterranean termites, are more destructive and can cause extensive damage in as little as 2 years. Because of this risk, it is important to treat your home as soon as you notice any signs of termites.

Scented mouse deterrents, like peppermint oil, can be effective in the short term. The pungent smells may temporarily repel mice, but they lose effectiveness as the scent fades or mice get used to it. The main drawbacks are frequent reapplication and the fact that these deterrents don't address the root cause of the infestation, such as entry points or food sources. While they can be part of a broader strategy, scented deterrents alone are rarely enough to eliminate a mouse problem.

In a house, scorpions tend to live in crawl spaces, attics, in the nooks and crannies of closets and furniture, gaps under doors/windows, and cracks in your foundation. Outside your home, scorpions like to inhabit shady spaces, such as beneath trees.