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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.

No, phorid flies do not bite humans or animals. However, they can still be harmful to humans. Since phorid flies feed on decaying organic matter and are found in unsanitary conditions, they can transmit disease organisms onto foods and food preparation surfaces. If you suspect that your home has a phorid fly infestation, protect your health by taking immediate action to eliminate it.

Groundhogs usually keep their cool despite being easily spooked. However, there are exceptions—they might get defensive or territorial if they feel threatened or overly concerned. If they sense a threat to their babies, they could get feisty, too. These wild animals are not meant to be kept as pets. If you find babies or an injured groundhog, contact your local animal rescue or wildlife service for guidance.

Both insects can damage wood, but there are key differences between termites and carpenter ants that tell them apart. Carpenter ants tunnel through moist wood, leaving behind smooth tunnels and sawdust-like piles, as they don't eat the wood but rather carve it for nesting. In contrast, termites actually consume wood, creating irregular galleries filled with mud and dirt, and leaving behind mud tubes as their signature. In terms of appearance, carpenter ants have segmented bodies with heart-shaped heads and larger front wings, while termites have more oval bodies with straight antennae and equal-sized wings.