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Pest Control questions, answered by experts

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.

Across most of the United States, the fall season sees rats at their prime activity levels. As temperatures drop, rats become more active, spurred by the weather shift to seek shelter as winter approaches. During this time, their curiosity and energy peak, driving them to explore what your home and its surroundings might offer.

The easiest method to get rid of spiders is using a spray. Mixing water with either vinegar or essential oils is a simple method that can be used over and over again. It may require spraying periodically to help get rid of and prevent spiders. You can choose to keep a spray bottle of the solution handy to use as needed.

Once the animals and their young are out of the house, remove the nest and locate any entry points. Some may be difficult to find because some animals can fit through very small holes. Once you’ve located as many entry points as possible, use materials such as metal or masonry to block off the entry. Ideally, you should choose materials that most animals cannot chew through. Create a one-way door or flap to allow animals to leave but not return. Additional methods include using repellants designed to make an area unappealing to the types of animals that find your home so inviting. 

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 New Town, ND homeowners’ guide to pest control services

From average costs to expert advice, get all the answers you need to get your job done.