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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.

To keep animals away from your trash, you can spray store-bought ammonia-based cleaners on the bag or make your own spray. All you need is a spray bottle with one part ammonia and one part water. Once you’ve sprayed the bags, keep your kids and pets away.

Without treatment, it’s unlikely that fleas will go away on their own. These pests can lay dozens of eggs per day, so their numbers can multiply quickly. Even without a host (like a pet, wild animal, or human) to feed on, fleas can survive for weeks. That’s why it’s best to tackle a flea problem as soon as possible.

Both spikes and loose nets can be installed over nest sites to prevent the bird from returning, but nets are not a humane option since birds and other wildlife can get tangled in them. 

Spikes are a humane alternative that deter nesting without harming the birds. In small areas, like vents, a very fine mesh net can be installed to prevent the bird from returning. These nets don't generally pose a risk to the birds.