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As a general rule, if you hear an animal in your attic, don’t assume it will stay there. Animals are drawn to warmth and food sources, which could lead them to other parts of your house. In particular, it’s likely that small pests such as rats and mice that only need tiny gaps to squeeze through will end up in your walls and ductwork. Larger animals like raccoons may be limited to an enclosed attic.

Many different types of animals like to build nests in attics. The types may vary depending on your home’s condition and location and you can prevent them by sealing off entry points and eliminating food sources. The most common critters that like to build nests in your attic include:

• Raccoons

• Bats

• Squirrels

• Mice

• Rats

The average lifespan of a stink bug is about six to eight months, depending on species and environmental conditions. Their life cycle includes three stages: Egg, nymph, and adult. Eggs hatch in roughly five days to two weeks, followed by a four to six-week nymph stage where they grow and molt. Once fully matured, adult stink bugs focus on reproduction and can fly to new areas, often seeking refuge in homes in search of warmth.

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.