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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.

Roaches entering your home or infesting an area are usually the result of poor sanitation. Cockroaches feed off of crumbs, spills, food scraps, and other organic matter, so they’re more likely to stick around and come back for more if your space isn’t cleaned up regularly. Maintain your home and prevent roaches by cleaning the kitchen area daily, sealing food tightly, removing open water sources, and eliminating clutter.

Carpenter ants don’t eat wood. It’s a common misconception because many kinds of termites eat wood as well as live inside it. Carpenter ants, however, are omnivores and only chew into wood to create pathways and nests, discarding the chewed wood as frass which is a major indicator of a carpenter ant problem. They prefer to eat smaller insects, sweet things like spilled honey, and sources of protein like pet food.

It can be difficult to know what type of animal is in your attic until you see it. But several clues can help you narrow down the suspects:

• Sounds: Smaller animals like rats and mice make scurrying and tapping/gnawing sounds. Larger animals like raccoons and opossums make louder clambering noises. Also, note when animals are noisy: Squirrels are active during the day, while rats are busiest at night.

• Droppings: Rats and mice leave small, rice-shaped droppings (the rat’s version is significantly larger). Bigger droppings belong to larger critters like raccoons. As long as you’re not squeamish, an image search can help you identify what you’re seeing in your attic.

When in doubt, take photos of damage or other evidence and show them to an experienced pest control pro.